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  • Purchase

    Home Loans

    Conventional home loans offer an attractive combination of flexibility and affordability for purchas...

  • Refinance

    Refinancing

    Refinancing and debt consolidation is great for lowering your monthly bills. You can also use this a...

  • Grants

    Grants

    Many different home-grant programs are available to Utah homebuyers today. These programs are design...

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Utah Mortgage Broker

Find the Loan that Works for You
Intercap Lending provides exceptional mortgage broker services to clients in Orem and throughout northern Utah. We are proud to be an advocate for borrowers of all types. We offer a wealth of options for residential mortgage loans, including conventional, FHA and VA loans. We offer second mortgages, refinancing, home equity lines of credit (HELOCs) and reverse mortgages.
Simply put, our mission is to provide affordable home ownership for everyone. We strive to make Intercap Lending the top mortgage lending company in the nation by offering a supportive work environment that encourages our employees to offer the best service to our client. -Josh Romney, Chairman and owner
We promise to stand by you through every step of the process, from applying for your mortgage to clo

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What Our Customers Are Saying
Maegan W.Maegan W.
This was our first mortgage and we were well taken care of. They checked win with us often to make sure that all necessary paperwork, bank statements, etc. were in and correct. Everyone we worked with was friendly and helpful...I would recommend (and have) Intercap Lending to anybody.
Steve S.Steve S.
Over the course of these several years and various home loans, having worked with several persons at Intercap Lending, I will say, the staff over there is remarkable, super nice, very helpful, all of them have performed like a dream with every interaction I've ever had with them.
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Our Latest
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  • Mortgage Down Payment
    25 Aug

    Pros and Cons of Making a 20% Mortgage

    Think you need at least a 20 percent mortgage down payment in order to buy a home? Saving up a minimum of 20 percent of the purchase price o ...

  • Mortgage loan terms meanings
    07 Aug

    Home Loan Glossary — Easy Explan

    When you consult with a mortgage broker about home loans, you may hear terms that are unfamiliar. If that happens, speak up – don’t be a ...

  • Utah mortgage rates
    28 Jul

    Should You Lock in Your Home Mortgage

    You want a home mortgage with the lowest possible interest rate. And if you’ve been following the financial news, you’ve seen that rates ...