Let’s Take The First Step Together!


Understand your loan options.


Clear communication.


A proven system for smooth closings.

Are You Ready to Own a Home?

“My Goal is to Educate You on The Best Loan For Your Short-Term & Long-Term Financial Goals”

If you are simply “rate shopping” for the lowest interest rate, this is not the place for you! BUT, if you want to know how to structure your mortgage loan with the best rate and best cost approach, then you have found yourself a great mortgage partner. The lowest rate is not always the best approach because often this means higher fees. The right combination can save you thousands over your loan term.
Our goal is to meet all your mortgage expectations and to keep assisting you after the closing.
If this way of learning and working is what you are looking for, give us a call and read through the rest of our website.
We look at your entire financial picture and give you our recommendation. Your situation is unique and your mortgage recommendation should be unique as well. We then help you choose the best path for you, not the best path for us.
We don’t stop when your mortgage is complete, we continue working on your overall financial plan. If you don’t have a financial plan we will help you develop one, and then help you make it work.
We guarantee all your mortgage costs up front. We don’t play games and we don’t teach fluff!
Intercap Lending

We Value:


How I Can Help You?


The home buying process has changed over the past several years from a mortgage prospective. It is still easy to finance a new home or refinance an exciting home, but the paper work involved is a little more complex. For this reason, I believe the home buying process starts with a consultation. This meeting is conducted over the phone or in person depending on your schedule. In this appointment, we will discuss all the details about the loan process, collect all the required documentation and map out a game plan to ensure a smooth and stress-free mortgage experience. This is also the time that I can answer any questions or concern you may have about purchasing a home.
Once I have your financial documents the mortgage process start with me analyzing the three most important factors in the mortgage approval process. I refer to them as the 3 pillars of the qualification. They are credit, income, and debt. These 3 items help me determine your approvability and loan program options. My company has a wide range of mortgage programs and it is my job to find the loan that fits your unique situation. I tend to focus more on my clients comfort level when it comes to a monthly payment. I like this method more than looking at the preferred purchase price of a home. I believe by focusing on the monthly payment we can narrow down the purchase price easier. Once we establish your monthly payment goal we will start the loan approval.

Let’s discuss the following needs and concerns

Consolidating credit card and other high-interest revolving loans.
A rising payment due to an ARM loan resetting.
Using home equity to fund an important purchase.
Consolidating your first and second mortgages to lower your overall payment.
Primary residence, vacation or investment property.
Eliminating private mortgage insurance (PMI).

Mortgage Advantage Program

Matching a specific mortgage with your financial goals and helping you construct a plan as needed. Understanding your unique mortgage and financial goals. Implementing your developed plan and monitoring it every 6 months for continued success.

Employer Mortgage Program

When you run a business creating value for your employees can get expensive. Between healthcare and 401k plans this can add up quickly. I’ve committed to adding more value to local businesses without charging them a penny more.

Look No Further. Get Started Today

Don’t Take my Word for it, Here is What my Clients are Saying.

Thanks to both of you for all your efforts in getting our refinancing loan taken care of so quickly.
If any of our friends need to refinance, we will definitely pass your contact information along to them.

Mike Groth

BWA Architects

Thanks again for all of your work and help in getting our loan set up and approved. You were a pleasure to work with even if we never got the chance to meet face to face before yesterday.

Justin Hatch

Cohne Rappaport & Segal

Thank you so much for all of your hard work on my mortgage! I love the house and I am grateful for all you did. I am happy to recommend you to anyone needing a mortgage.

Amy Code

University of Utah

We just wanted to say thanks for all the work you did for us and extra work. We know we were a bit of a pain w/our indecision and tight deadlines, but thank you!!!

Kody and Jennie Hoover Heber


Call today and let’s schedule an appointment — you will be glad you did!


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