Julie Campbell Mortgage Loan Officer

11/05/2026

“We’re waiting for rates” can sometimes mean something deeper.

Maybe you’re unsure what payment would feel comfortable. Maybe you’re worried about the down payment, your credit, or buying at the wrong time. Or maybe no one has clearly explained your options yet.

Rates are important, but they’re only one piece of the decision.
A conversation doesn’t commit you to buying. It simply gives you real numbers and a better understanding of what readiness could look like for you.

Clarity now can help you make a more confident decision later.

10/31/2026

🎃 A little rain couldn’t stop the Halloween fun! 👻

Our Intercap Lending crew had such a great time participating in the Trunk or Treat on Main Street in Tremonton!

The weather may not have cooperated, but that didn’t stop us from handing out treats and seeing all the kiddos in their amazing costumes! 🍬

Rain or shine, we wouldn’t have missed it! Thank you to everyone who stopped by to see us! 🧡🎃

10/30/2026

Before asking the seller for a concession, repair, or price adjustment, let’s talk about what would make the greatest difference for your buyer.

Depending on the transaction, one option may help more than another. The answer should be based on the buyer’s financing, available funds, monthly payment goals, and the terms of the offer.

A quick conversation before negotiations can help the lending and real estate teams create a more thoughtful strategy.

Realtors, call me before you write the request. We’ll look at the numbers together.

10/22/2026

10/22/2026

There’s something valuable about working with a lender who truly knows the community where you’re buying.

I know the backroads, the local events worth putting on your calendar, and how estimated property taxes may factor into your monthly payment. I also understand that buying here isn’t only about choosing a house. It’s about finding the right place to call home.

That local knowledge, combined with my experience and the support of my team, helps us provide guidance that feels personal to each buyer.
That’s what local lending looks like to me. 🏡

10/17/2026

Box Elder is more than the place where I work. It’s a community I’m proud to be part of.

I love seeing familiar faces, supporting local events, and building relationships with the people who make this area feel like home.

Being a local lender means I get to serve this community in more than one way. I help buyers navigate homeownership, support real estate professionals, and lead a wonderful team that shares my commitment to taking care of people.

I’m grateful to live, work, and serve right here in Box Elder County. 🤍

10/15/2026

🏈 REALTORS, IT'S TIME TO UPDATE YOUR PLAYBOOK!

The appraisal game is changing… are you ready?
Join Intercap Lending and Jared Preisler for The New Appraisal Playbook!

We're tackling the latest changes to appraisals, including ANSI, UAD 3.6, ADUs, square footage, and the new appraisal report!

Thursday, October 22
📍 USU Brigham City
Lunch at 12:30 PM
Class from 1–3 PM
Don't get caught running last season's plays!

LINK in bio to RSVP or contact me today!

10/08/2026

A successful closing is never the work of just one person.

It takes processors, underwriters, real estate professionals, and support partners communicating and working toward the same goal. I’m incredibly grateful for the team beside me and the care they bring to every transaction.

Team bonding gives us an opportunity to step away from the daily details, strengthen our relationships, and enjoy time together. Those connections help us communicate more effectively, support one another, and create a better experience for our clients.

The right team doesn’t only help get the work done. It helps people feel cared for throughout the journey, and that will always matter to me. 🤍

10/02/2026

Realtors, I want to be the loan officer you feel comfortable calling before your buyer reaches offer night.

Connecting early gives us time to understand the buyer’s goals, review the numbers, answer questions, and prepare them for the next step.

It also allows our lending and real estate teams to communicate from the beginning. When everyone understands the plan and works toward the same goal, the buyer receives a much more supportive experience.

My background in loan processing taught me how much the early details matter. My years in loan origination have taught me that strong relationships and consistent communication matter just as much.

If you’re preparing a buyer to start looking in Box Elder County, I’d love to be part of the team supporting them.

09/26/2026

The people have always been my favorite part of this business.

I’m grateful for the clients who trust me with such an important milestone, the real estate professionals who welcome me into their transactions, and the incredible team working behind the scenes to help everything come together.

I also love getting out into the community and connecting with people beyond the office. Whether it’s at the Box Elder County Fair & Rodeo, a local golf tournament, or simply catching up with a familiar face, those relationships mean so much to me.

This business is about homes, but it will always be built on people. 🤍