Our Services
  • Purchase

    Home Loans

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

  • Refinance


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

  • 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
Blog Posts
  • VA mortgage lender in Utah
    26 May

    Can You Get a VA Loan for the Home You

    Let’s say you’re a veteran or service member who has applied for a VA loan. You already have a Certificate of Eligibility, the document ...

  • 30 year vs. 15 year home loans
    01 May

    30-Year or 15-Year Fixed-Rate Mortgage

    The vast majority of homebuyers choose a 30-year fixed-rate mortgage – about 90 percent, according to Freddie Mac, the Federal Home Loan M ...

  • Coronoavirus mortgage options
    03 Apr

    Falling Behind on Your Mortgage Paymen

    Has COVID-19 and a resulting medical emergency or sudden job loss caused you to fall behind on your mortgage payments? Whatever the reason f ...