Tracy Freshwater Home Loan Specialist

Tracy Freshwater Home Loan Specialist Tracy Freshwater, Mortgage Loan Officer NMLS #1314650. Licensed in Utah, Idaho and Wyoming. Intercap Lending has been a trusted home loan provider since 1978.

Your Intercap Loan Officer can help you select the right loan program and options for your unique needs, goals, and situation.

The house you wanted last year? It’s more expensive now.Waiting rarely makes buying easier. Prices are up, competition i...
06/16/2025

The house you wanted last year? It’s more expensive now.

Waiting rarely makes buying easier. Prices are up, competition is back, and rent isn’t building equity.

Let’s run the numbers — because the true cost of waiting might surprise you.

Did you know that closing costs typically range from 2-5% of your home price?These costs cover lender fees, title insura...
06/13/2025

Did you know that closing costs typically range from 2-5% of your home price?

These costs cover lender fees, title insurance, appraisals, and other necessary services to finalize your mortgage.

Understanding these costs upfront means no surprises on closing day! Let’s go over the details together and make sure you’re fully prepared.

📩 DM me, and let’s review your numbers!

📈 Nearly 4 in 10 new homeowners are Latino! The Latino homebuyer market is booming, and it’s expected to keep growing.co...
06/11/2025

📈 Nearly 4 in 10 new homeowners are Latino! The Latino homebuyer market is booming, and it’s expected to keep growing.

committed to expanding Hispanic homeownership by providing education, resources, and tailored mortgage solutions that empower Latino families to build generational wealth through real estate.

💡 Thinking about buying? Let’s make your plan today!

You don’t always need 20% down.You need the right Loan Officer.Too many buyers are waiting on outdated advice. With crea...
06/09/2025

You don’t always need 20% down.
You need the right Loan Officer.

Too many buyers are waiting on outdated advice. With creative solutions and smart strategy, homeownership is closer than most people think.

Tag a buyer who needs to hear this👇

Making One Extra Mortgage Payment Can Save You Thousands! 🏡Did you know that making just one extra mortgage payment per ...
06/06/2025

Making One Extra Mortgage Payment Can Save You Thousands! 🏡

Did you know that making just one extra mortgage payment per year can help you:

✔️ Pay off your loan years earlier
✔️ Save thousands in interest over time
✔️ Build home equity faster

💡 Even small additional payments—like splitting your monthly mortgage into biweekly payments—can make a big difference!

📞 Want to see how extra payments could impact your mortgage? DM me for a personalized breakdown!



Actual benefits vary based on loan terms and current status.

A loan built for investors.FLEX Loans by Intercap Lending offer a DSCR Cash Flow Program—no income verification required...
06/04/2025

A loan built for investors.

FLEX Loans by Intercap Lending offer a DSCR Cash Flow Program—no income verification required.
✔ Based on rental income, not employment
✔ Collateral-based business purpose loan
✔ Perfect for portfolio growth

Let your properties qualify themselves.

Think you need 20% down or a dual income to buy a home? Think again .📉 Median down payment? Just 8%.💃 Nearly 1 in 5 buye...
06/02/2025

Think you need 20% down or a dual income to buy a home? Think again .

📉 Median down payment? Just 8%.
💃 Nearly 1 in 5 buyers? Single women.
📆 Average stay in a home? 13+ years.

Homeownership is more accessible, more diverse, and more strategic than most people realize. Let’s help more people see the bigger picture.



NMLS #190465
Equal Housing Lender
www.intercaplending.com
Corporate Address: 910 East 6600 South
Salt Lake City, UT 84121

Source: https://www.bankrate.com/mortgages/average-down-payment/

Need cash but don’t want to refinance your low-rate first mortgage?You’re not alone. That’s why we offer the FLEX Equity...
05/28/2025

Need cash but don’t want to refinance your low-rate first mortgage?

You’re not alone. That’s why we offer the FLEX Equity Advantage.

It’s a stand-alone second mortgage designed for flexibility—so you can access your equity without starting over.

How to Compete Against Multiple Offers & WIN Your Dream Home 🏡💪In a competitive market, standing out as a buyer is key t...
05/26/2025

How to Compete Against Multiple Offers & WIN Your Dream Home 🏡💪

In a competitive market, standing out as a buyer is key to getting your offer accepted. Here are some strategies to strengthen your offer:

✔️ Get Fully Pre-Approved – A strong pre-approval shows sellers you’re serious and financially ready.
✔️ Consider an Appraisal Gap Strategy – If the home appraises lower than the offer, this shows you’re prepared to cover the difference.
✔️ Use a Temporary Buy Down – Lower your initial mortgage payments and improve affordability.
✔️ Work with an Experienced Lender & Agent – Sellers prefer buyers with reliable financing.
✔️ Increase Earnest Money Deposit – A larger deposit signals strong commitment.
✔️ Be Flexible on Closing Date – Accommodating the seller’s timeline can give you an edge.
✔️ Write a Clean Offer – Avoid unnecessary contingencies to make your offer more appealing.

💡 With the right strategy, you can win in a competitive market—even against multiple offers! Let’s create a game plan to position your offer at the top of the list.

📞 Call or DM me today, and let’s make your dream home a reality!

Being self-employed shouldn’t mean getting shut out of homeownership.FLEX Loans by Intercap Lending give you real option...
05/21/2025

Being self-employed shouldn’t mean getting shut out of homeownership.

FLEX Loans by Intercap Lending give you real options:
✅ Bank statements
✅ Assets
✅ Rental income

Did you know that closing costs typically range from 2-5% of your home price? These costs cover lender fees, title insur...
05/19/2025

Did you know that closing costs typically range from 2-5% of your home price? These costs cover lender fees, title insurance, appraisals, and other necessary services to finalize your mortgage.

Understanding these costs upfront means no surprises on closing day! Let’s go over the details together and make sure you’re fully prepared.

📩 DM me, and let’s review your numbers!

You’ve got the assets—now you’ve got the loan.FLEX Loans by Intercap Lending make it possible to qualify based on your l...
05/16/2025

You’ve got the assets—now you’ve got the loan.

FLEX Loans by Intercap Lending make it possible to qualify based on your liquid assets instead of traditional income.

Perfect for retirees, entrepreneurs, or high-net-worth individuals who want their money to work harder.

No tax returns. No W-2s. Just smart, flexible financing.

Address

20 South Main Street
Brigham City, UT
84302

Opening Hours

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

Telephone

+14352308330

Website

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