John Naccarato - Loan Officer

John Naccarato - Loan Officer John Naccarato, MLO at Intercap Lending. Specializes in home financing and refis for Nevada residents (and soon to be California, Oregon, and Arizona) As a U.S.

John helps homebuyers and homeowners navigate mortgage financing with clarity and confidence. At Intercap Lending, he offers competitive loan programs and personalized guidance throughout the process. military veteran and retired law enforcement supervisor, John understands the unique needs of service members, first responders, and their families. He’s committed to making lending transparent, efficient, and stress-free. Whether you’re a first-time buyer or seasoned investor, John takes time to understand your goals, answer your questions, and guide you to the right mortgage solution. Intercap Lending NMLS # 2788373 | NMLS # 190465 I Equal Housing Lender

“Just buy the new house first, then sell yours.”That advice skips the part where your current mortgage payment still cou...
09/21/2026

“Just buy the new house first, then sell yours.”

That advice skips the part where your current mortgage payment still counts.

Buy-before-you-sell programs can be helpful for homeowners who need more flexibility between selling one home and buying the next. Depending on the structure, a homeowner may be able to make a stronger offer without a home-sale contingency or access equity before the current property closes.

That can be a real win when the timing works. Still, the financing has to account for both properties, available equity, cash reserves, income, and the terms of the specific program. The internet version usually stops before that part.

If you’re considering a move, don’t assume you have to sell first or that buying first automatically works. Review the full picture before you put either home under contract. If you have a scenario you’re unsure about, send it over.

All loans are subject to approval. Equal Housing Lender.

Here are 3 VA loan details to review before you write an offer.1. Confirm your Certificate of Eligibility and available ...
09/20/2026

Here are 3 VA loan details to review before you write an offer.

1. Confirm your Certificate of Eligibility and available entitlement. This helps clarify the VA benefit available for the purchase.

2. Review the full estimated payment. Include principal, interest, taxes, insurance, and any HOA dues. The rate alone does not tell you whether the payment fits your budget.

3. Ask how the VA funding fee applies. It can vary based on prior use, down payment, and exemption status. Eligible borrowers may be exempt.

VA loans generally do not require monthly mortgage insurance, which can make a meaningful difference in the payment. Property standards and borrower approval requirements still apply.

Gather your service documentation and compare the estimated payment with your current housing budget. If you have a VA financing question, send it over.

All loans are subject to approval. Equal Housing Lender.

7% vs. your housing plan in 2026.A rate around 7% can be a filter. It may change the price range that feels comfortable....
09/19/2026

7% vs. your housing plan in 2026.

A rate around 7% can be a filter. It may change the price range that feels comfortable. It may also make waiting feel more appealing. It does not automatically make buying the wrong move.

The better question is whether your long-term housing plan changed, or whether this week’s rate conversation changed how you feel about it.

If you expect to stay in the home for a while and the payment fits your budget, the analysis may look different from someone who needs more flexibility. The headline is the same, yet the situation can be completely different.

I’ll bet the internet makes this sound more settled than it is. A rate is one part of the financing structure, not the whole decision.

Has your plan changed, or just your feelings about this week? Share it in the comments.

All loans are subject to approval. Equal Housing Lender.

09/19/2026

A new kitchen doesn’t tell me whether an area is growing.

With new construction, buyers can get so focused on the home that they miss what is being built around it.

New employers and everyday amenities may matter long after the finishes stop feeling new.

A newer home is still a location decision.

What’s changing around the community you’re considering?

Property cash flow vs. your tax return in 2026. For a rental-property purchase, cash flow deserves to lead the conversat...
09/18/2026

Property cash flow vs. your tax return in 2026. For a rental-property purchase, cash flow deserves to lead the conversation.

A DSCR loan looks closely at the property’s documented rent compared with its full monthly housing payment, including principal, interest, taxes, insurance, and association dues when applicable. DSCR means debt service coverage ratio.

That does not mean personal finances disappear from the file. Credit, reserves, lender guidelines, and loan terms can still affect the outcome. It does mean an investor with complex income may have a financing path that is not centered solely on tax returns.

Some investors disagree with this approach because market-rent estimates can be optimistic. Fair point. That is why the rent estimate and the complete projected payment both deserve a hard look before you get attached to the property.

If the rent cannot reasonably support the debt, calling it an investment does not fix the math. If it can, you have a much more informed conversation to start with.

Have a DSCR scenario you want to pressure-test? Send it over.

All loans are subject to approval. Equal Housing Lender.

09/18/2026

Stop shopping for the loan before you’ve planned the property.

A vacation home doesn’t become a primary residence because the payment looks nicer. And a fix-and-flip needs more than optimism and a paint-color spreadsheet.

Before making an offer, build a one-page plan covering occupancy, repairs, available cash, carrying costs, and whether you’ll hold, rent, or sell.

Which financing path does your property plan actually support?

If you’re self-employed looking to purchase a home and your income shows up in bank deposits more than on a W-2, this is...
09/17/2026

If you’re self-employed looking to purchase a home and your income shows up in bank deposits more than on a W-2, this is for you.

A "bank statement loan" can be built from cash flow, but nobody is simply glancing at your account balance and declaring victory. Underwriting usually reviews personal or business statements over time, then separates recurring business revenue from transfers, refunds, and one-time activity.

Large deposits may need a paper trail. Business expenses also matter, since the lender may use an expense factor or review documentation to estimate qualifying income. A healthy balance is helpful, sure. Consistent deposits and a clean account history often tell a more useful story.

Before a home loan consultation, pull your most recent statements. Mark the revenue that repeats. Flag transfers that are not income. Make a note of unusual deposits. The goal is a clear, supportable income story before the paperwork starts piling up.

Eligibility, documentation, and terms vary by lender and loan program. All loans are subject to approval. Equal Housing Lender.

09/17/2026

VA loan eligibility vs. a zero-down assumption.

A VA loan can offer zero down and generally no monthly mortgage insurance, but the offer should start with the Certificate of Eligibility and available entitlement.

Then review the full payment, including taxes, insurance, HOA dues, and the VA funding fee when applicable.

Zero down does not mean zero homework. Have you reviewed the full payment?

If you're a medical professional considering a home purchase, a physician mortgage may be worth discussing before you as...
09/16/2026

If you're a medical professional considering a home purchase, a physician mortgage may be worth discussing before you assume you need a large down payment.

Some physician-loan programs may offer low or no down payment options without monthly PMI. Depending on the program, a new employment contract may be considered, and certain options may also work for qualifying professionals paid on a 1099 basis.

That does not mean every medical professional qualifies the same way. Your specialty, employment structure, student-loan obligations, credit, assets, property, and the specific loan program can all change the answer.

This is one of those situations where the internet version leaves out the details. If you’re starting a new role or trying to understand your financing options, I’m happy to talk through the scenario with you.

All loans are subject to approval. Equal Housing Lender.

0% down can get all the attention. The full payment still has to fit.VA buyers should review eligibility, available enti...
09/16/2026

0% down can get all the attention. The full payment still has to fit.

VA buyers should review eligibility, available entitlement, the funding fee, and estimated housing costs before writing an offer. Have a VA financing question?

All loans are subject to approval. Equal Housing Lender.

Address

2560 E Sunset Road Suite 121
Las Vegas, NV
89120

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

(702)2242929

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