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Mike Carpenter
Sr. Loan Originator
801-647-1600

“You will have a great experience because I love what I do!”

Welcome to my website!

I am committed to providing my clients with a great experience from start to finish. The highest level of service combined with competive interest rates and fees make for a winning combination. Whether you are first time home buyer, purchasing your dream home, refinancing your mortgage, or consolidating debt, I’ll help you to understand your options and help you make the best decision as it applies to your unique situation.

We’re a Local Lender with national connections:
This is important to you. Intercap Lending is a correspondent Lender which means we have relationships with several national investors so we can provide you with competitive interest rates and a wide array of loan programs. However, all originating, processing, underwriting, closing and funding actions will be managed in-house and in-State by Intercap Lending employees.

My ultimate goal is to create lasting relationships with all of my clients so that I may continue to provide excellent service for many years to come.

I specialize in the following Utah Mortgages:

  • Fixed rate Conventional mortgages w/ 30yr, 25yr, 20yr, 15yr and 10yr terms
  • Fixed Period Adjustable rate mortgages with 3/1, 5/1, 7/1 and 10/1 terms.
  • Refinance mortgages in all loan types FHA, VA, Conventional and USDA/Rural housing mortgages
  • Rate/Term and Cash Out refinances
  • Jumbo Home Loans
  • FHA and VA Loans both Fixed rate and Adjustable rate terms.
  • Utah Housing loans with Zero out of pocket costs.
  • Reverse Mortgage Loans
  • And Much, Much More!

Although I am located in Salt Lake City, Utah, I offer unparalleled mortgage and refinance service to clients throughout the Great State of Utah!

Call Me Today for a free, no obligation consultation.

Best regards.

Mike Carpenter
801-647-1600