Christian N Martinez - Intercap Lending

Christian N Martinez - Intercap Lending Christian N Martinez Team | Branch Manager/Senior Loan Officer - NMLS # 277428 | Intercap Lending, Inc. - NMLS # 190465 Equal Housing Lender

Your Intercap Loan Officer can help you select the right loan program and options for your unique needs, goals, and situation. Intercap Lending has been a trusted home loan provider since 1978.

09/15/2026

You may be measuring yourself against a version of “ready” that no loan actually requires.

Maybe you think your score needs 100 more points.
Maybe you believe every debt must be paid off.
Maybe you are waiting to save 20%.

Then we review the file and discover the real gap is much smaller:

➡️ One credit-card balance needs to report lower.
➡️ A disputed account needs to be handled correctly.
➡️ Two more months of reserves would strengthen the file.
➡️ A gift, assistance program, or seller credit could solve part of the cash need.
➡️ A different loan program may fit the way you earn income.

Close does not always mean approved today.
But “not today” is very different from “not possible.”

The frustrating part is watching families spend two more years renting because nobody calculated the actual distance.

➡️ Stop guessing how far away you are. Get the gap measured and turn it into a plan.

09/14/2026

🏡 ¿Crees que no calificas para comprar casa?
¿Crees que no calificas para comprar casa? No lo asumas. 👀
Existen programas para primeros compradores y otras opciones que quizás todavía no conoces.
El primer paso es conocer tu situación y descubrir qué posibilidades tienes. 🏡
📲 385-789-4656
Con Christian Martínez, ¡sí se puede!

09/11/2026

Christian buscando hasta el fin del mundo un programa que funcione para ti. 😂🌎🏡
Porque comprar casa no siempre requiere las mismas opciones para todos. Hay diferentes programas, incentivos y alternativas que vale la pena conocer.
Antes de asumir que no puedes comprar… ¿y si sí? 👀
📲 385-789-4656
Con Christian Martínez, ¡sí se puede!

09/11/2026

The model-home price is only the beginning of the conversation.

Before focusing on countertops, ask about the items that change your real cost:

1️⃣ Closing-cost credits: Builder incentives may cover eligible loan costs, prepaid taxes, or insurance.

2️⃣ Rate buydowns: Compare a temporary buydown, permanent buydown, and price reduction. The best choice depends on your timeline and payment goals.

3️⃣ Included upgrades: Appliances, blinds, fencing, landscaping, and finished basements can cost far more after closing.

4️⃣ Lot premiums: Ask whether the premium can be reduced, credited, or exchanged for another incentive.

5️⃣ Completion protections: Understand deposit rules, estimated delivery, rate-lock options, extension costs, and what happens if construction is delayed.

Maybe the sales office makes the incentive package feel fixed.

Sometimes it is. Sometimes your leverage depends on the phase, inventory, quarter, or builder priorities.

The salesperson represents the builder. Your lender and agent should help you compare the offer from your side of the table.

➡️ Do not negotiate only for a prettier home. Negotiate for a stronger financial position after closing.

09/10/2026

Comprar casa no tiene que ser complicado.

Déjame ayudarte a simplificar el proceso y guiarte paso a paso.

09/10/2026

One of those moments when you look around and think… how did we get here?

Walking through this house while it is still being built feels like that every single time.

Right now, it is framing, concrete, open walls, and a lot of imagination.

But I can already see the life that is going to happen here.

I can picture the basketball games.
The workouts.
The birthdays.
Family and friends gathered together.

The shoes on the wall, the Jordan logo on the court, the sauna, the cold plunge, the fireplaces, the view from the deck.

All of those details are exciting.

But they are not really what makes this surreal.

What gets me is remembering where I started.

There was a time when owning a home at all felt like a huge accomplishment.

Now I am walking through a home my wife and I had the opportunity to dream about, design, and build together.

That perspective keeps you grateful.

Because success can move the finish line on you if you are not careful.

You accomplish something you once prayed for, and five minutes later you are already focused on the next goal.

I never want to live like that.

I want to be able to stand in the middle of unfinished walls and appreciate exactly how far we have come.

There is still a lot left to build here.

But maybe that is the best part.

Some of the most meaningful seasons of your life happen before everything looks finished.

You just have to keep building long enough to finally see what all those years of work were creating. 🏀🙏🏼

09/09/2026

1️⃣ Being first can feel lonely: Your family may be proud of you and still question why you are taking on such a large payment.

2️⃣ Helping family affects the plan: Money you send to parents, share with relatives, or use in a multigenerational household matters even when it does not appear neatly on an application.

3️⃣ Trust is part of the loan: Many buyers are not afraid of the house. They are afraid of signing something they do not fully understand.

4️⃣ Translation is not explanation: Spanish paperwork helps, but you also deserve someone who can explain the strategy, tradeoffs, and long-term impact clearly.

5️⃣ Buying can change the family story: The goal may be more than keys. It could be stability, room for your parents, an inheritance, or the first asset your children see you build.

Maybe you carry excitement and guilt at the same time.

Maybe you want more for your family but do not want them to think you are leaving them behind.

I understand why this decision can feel bigger than a transaction.

➡️ The right mortgage plan should respect the numbers and the family story behind them.

Address

365 South Garden Grove Lane Suite 130
Pleasant Grove, UT
84062

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

Telephone

+18017871172

Website

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