Get your home loan approved before you shop!

You wouldn’t go shopping without knowing what’s in your wallet. Why would you do that when shopping for a home? By getting a home loan pre-approval with Intercap Lending before shopping for a home, you’ll know exactly what you qualify for and be in a stronger position when making an offer.

Apply for a home loan in minutes

A mortgage application takes about 15 minutes. In most cases, you can have a pre-approval letter in an hour or less. Click below to get started. Our loan officers are available by phone, text, or in person for questions and advice.

Get pre-approved for a home loan

Get your Intercap home loan pre-approval in no time.

And watch how fast you get an accepted offer!

GET APPROVED TODAY! GET A RATE QUOTE
Get pre-approved for a home loan

What does a home loan pre-approval entail?

A home loan pre-approval from one of our licensed loan officers means we have confirmed your ability to purchase a home with Intercap Lending. Best of all, you will know exactly what you qualify for and the seller can feel confidant that your offer is solid.

Here’s what we typically need for a home loan pre-approval.

  • Credit Report

    A residential credit report that we pull with your permission

  • Paystubs

    Usually 1 month of paystubs from your employer(s)

  • W-2s

    Or other forms of income verification

  • PERSONAL TAX RETURN

    If applicable

  • DOWN PAYMENT/RESERVES DOCUMENTATION

    Confirmation of any downpayment or closing costs required

  • CREDIT/LIABILITY DOCUMENTATION

    Your credit report usually provides most of this information

HELOC

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Conforming Loan Limits up $726,200

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Mortgage Rate Buydown

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3-2-1 Buydown

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Pathway to Qualification

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Top Utah Mortgage Lender

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Buy your first home for $1000

First-time Homebuyer Loan

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Medical Mover Upper

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