Kathie and Steve Booklet

A name you can trust since 1978 Intercap Lending’s 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 clients. Intercap Lending thrives because of its people. It’s an environment of family and friends that watch out for one another. This “circle of trust” protects us from external threats so we can work together to move the organization forward.

CHANGING THE HOME AVERAGE TIME LOAN EXPERIENCE TO CLOSE Ellie Mae reports Industry average closing times 19 of 42 days for purchase loans, and 45 days for DAYS refinance loans. Our closing times are less than half the industry average, with 19 days to close a home purchase, and 22 days for a refinance. You can expect a full and detailed review of documents, communication through the entire loan process, and a dedicated and experienced lending team to help buyer’s make the best choice for their home financing needs. We’ll also make sure to stay in touch with listing agents to reinforce the buyer’s pre-qualification. We pride ourselves on turning every step of the mortgage process into a positive experience.

Loan Programs & Services Intercap Lending is a direct Fannie Mae, Freddie Mac, and Branch managers have the option of expense or retail Ginnie Mae lender that offers a wide variety of loan programs accounting, with support for in-house processing, underwriting, and in-house underwriters who follow agency guidelines for and house accounts. We are committed to helping our branches faster closings. We have a large portfolio of FHA, VA, USDA, and loan officers grow without unnecessary oversight or conventional, and non-conforming loans. overhead. Our portfolio also includes specialty programs like 203k, down- Real estate agents, builders, and clients benefit from fast payment assistance, reverse mortgages, and bank statement closings, integrated business systems, and an industry-leading loans. We also have strong relationships with numerous jumbo CRM. Our co-marketing and advertising services assist with co- programs and other niche lenders and investors. branded lead generation and nurture campaigns.

H MEOWNERSHIP FOR EVERY STAGE OF LIFE First-time homebuyer Mover-Upper Intercap offers no-money down options, homebuyer prep Your Intercap Loan Officer works with you and your realestate classes, property investment classes, and a Pathway to agent to make sure the timing is just right so you canmove from Qualification program to help first-time homebuyers. one home to the next with less worry and stress. Relocator Downsizer Relocating can be exciting and a little stressful. Whether Is it time to downsize? We have specialty programs like in-state or out, we can help you make the move to a reverse mortgage and condo loans. We can also help you invest new home a little easier. in properties to create a rental income for retirement. Investor Refinance & Cash Out Intercap offers loans for property investors and a network Your Intercap Loan Officer will help you understand options, of professionals who can help you build equity and make b enefits and costs of a refinance to accomplish your goal to m oney from rental and vacation properties. remodel, lower payments, or whatever you are aiming for.

Common Loan Options Best rates and2t0er%ms 3.5% When other lenders are limiting their loan options Intercap Lending is OPEN for business. Our mission is to provide affordable home ownership for everyone. DOWN PAYMENT 3% poomcukLoteenotaefsyt 0%

CONVENTIONAL - 20% DOWN INVESTMENT PROPERTIES - 15% DOWN Credit Score: 580+ | Loan Limit varies by county | No MI Credit Score: 620+ | Loan Limit varies by county Less than 50% DTI | Up to 6% Seller Concessions permitted Less than 50% DTI second home - 10% DOWN CONVENTIONAL - 5% AND 10% DOWN Credit Score: 620+ | Loan Limit varies by county Credit Score: 620+ | Loan Limit varies by county Less than 50% DTI | Up to 6% Seller Concessions permitted Less than 50% DTI | Up to 6% Seller Concessions permitted fha - 3.5% down CONVENTIONAL - 3% down Credit Score: 580+ | Up to 6% Seller Concessions permitted Credit Score: 620+ | Loan Limit varies by county | MI varies No overlays for DTI follow AUS findings Less than 50% DTI | No income restrictions | Must be first time homebuyer FANNIE MAE HOME READY - 3% DOWN FREDDIE MAC HOME POSSIBLE - 3% DOWN usda - 0% down Credit Score: 620+ | Loan Limit varies by county | Income Available in qualified rural areas | Credit Score 580+ | Income limits may apply | NO first-time homebuyer restrictions limits vary by county and household size Reduced MI other assistance programs VETERAN (Va) - 0% down There are many other programs offering help with down For qualified Veterans and Active Duty service members payment and closing costs. Ask your loan officer for details. Credit Score: 580+ | No DTI restrictions with AUS approval Up to 4% Seller Concessions permitted | NO maximum VA Loan Limit required chenoa fund down payment assistance program - 0% Down Credit Score: 620+ | No income restrictions | Second mortgage structure following FHA guidelines to cover minimum down payment requirements.

TOOLS AND TECHNOLOGY Intercap Lending has partnered with high-tech companies to offer the latest in home ownership technology. Qualifying and securing a home loan has never been easier with tools that support dreams of homeownership. text: “mortgage” to Conventional Results Homebuyer App Get Pre Qualified Today! Intercap’s Homebuyer App provides a digital real estate and mortgage platform buyers can access on their smartphone, tablet, or computer. Easy save With thismortgage app, buyers can search for scenarios properties, get pre-qualified and apply for a home loan, compare various loan programs, rates, and payment options, take photos of loan documents and upload them securely to the loan251 E 1200 S file, and track their loan status. Orem, UT 84058 www.intercaplending.com

Homebot Hey Caroline! Here’s your current Homebot report and tips on how to save money. Call or email with any questions! A powerful monthly home value and Kathie Thompson | Intercap Lending equity statement based on highly accurate (801) 589-9060 | [email protected] | NMLS #21143 appreciation and depreciation models combined with actual loan data. homebot These figures can help buyers start thinking about upgrading, investing, and refinancing.

buy for $1,000 out of pocket FIRST TIME HOMEBUYERS* CAN QUALIFY FOR NO DOWN PAYMENT, NO SECOND LOAN, AND NO MORTGAGE INSURANCE, WITH NO INCOME RESTRICTIONS! SELLERS CAN ALSO CONTRIBUTE UP TO 3% TOWARDS CLOSING COSTS. UTAH Loan Limits: $400,000 for davis, salt lake, summit, Utah, wasatch, and Washington counties. all other counties: $300,000 *Available to qualified first-time homebuyers in Utah, Idaho, Arizona, and Nevada. Maximum loan amount $300,000 - $400,000 depending on county. Borrower(s) must contribute a minimum of $1,000 of their own funds toward the transaction - this is part of the closing costs, not down payment. No mortgage insurance required. Minimum 2-year work history and three months with current employer. All mortgage products are subject to credit and property approval. Rates, terms, and conditions are subject to change. Not all products available in all areas. Additional qualifications may apply. This is not an offer or commitment to lend.

WhAT’S ThE DIffERENCE BETWEEN A MORTgAgE BROkER & MORTgAgE LENDER? Mortgage Lender A mortgage broker acts as Mortgage Lender maAidmamdniladeodndmrdtplgeaopanmotgebteaenennbttwtribiaoaeelkletlelewenrnnaebddceoeetnrsrrrsosyaw.souears Mortgage Lender Borrower Mortgage Broker The broker’s job is to work on the borrower’s behalf with several banks to find mortgage lenders. WE CuT OuT ThE MIDDLEMAN. INTERCAP LENDINg IS A MORTgAgE LENDER. WE SERVICE MOST Of OuR OWN LOANS AND hAVE BEEN DOINg SO fOR OVER 30 YEARS. OBUo(rbrowrreorwer) Mortgage Lender

Kathie Thompson Branch Manager | NMLS# 21143 (801) 589-9060 [email protected] Steve Carter​ Manager / Senior Loan Officer | NMLS# 1178666 (385) 800-8528 [email protected] Corporate Address: 11781 Lone Peak Parkway, Suite 200, Draper UT 84020 NMLS# 190465 | www.intercaplending.com | Equal Housing Lender