Kurt Campbell - Intercap Lending

Kurt Campbell - Intercap Lending Kurt Campbell, MLO Intercap Lending. Specializing in home financing & refinancing for UT residents. We also work with jumbo and niche lenders.

Kurt Campbell is a Loan Officer based in Brigham City, UT, serving clients through Intercap Lending. Intercap is a direct Fannie Mae, Freddie Mac, and Ginnie Mae lender with in-house underwriters for faster closings. We offer a wide range of loan options including FHA, VA, USDA, conventional, and non-conforming loans, as well as specialty programs like 203k, down payment assistance, reverse mortga

ges, and bank statement loans. Real estate agents, builders, and clients benefit from fast closings, integrated systems, and co-marketing tools for lead generation and follow-up.

Join Pat Kerby and I this Saturday from 11:00 AM – 1:00 PM for an Open House at this beautiful property!Whether you’re a...
06/18/2026

Join Pat Kerby and I this Saturday from 11:00 AM – 1:00 PM for an Open House at this beautiful property!

Whether you’re actively looking for a home or just starting to explore your options, stop by for a tour and let’s talk about what’s possible. I’ll be available to answer any mortgage financing questions and help you understand your buying power.

📅 Saturday
⏰ 11:00 AM – 1:00 PM
📍 [Property Address]

We’d love to meet you and show you around!

06/17/2026

The fastest closings start before you ever find the house.Get your documents together early and the rest of the process gets a lot smoother. Watch the video to see exactly what you need.

These two terms sound similar, but they are very different when it comes to buying a home.Pre QualificationA quick estim...
06/15/2026

These two terms sound similar, but they are very different when it comes to buying a home.

Pre Qualification
A quick estimate based on self reported information. Helpful as a starting point, but not verified.

Pre Approval
A deeper review of income, credit, and assets. This is what sellers and agents take seriously.

In a competitive market, pre approval is what gives buyers confidence and credibility when making an offer.

If you are serious about buying, this is one of the most important steps to take early.

If you are thinking about updating your home this summer, the trends in 2026 are less about major renovations and more a...
06/12/2026

If you are thinking about updating your home this summer, the trends in 2026 are less about major renovations and more about smart, intentional upgrades.

Here are some of the biggest ones I am seeing:

Outdoor living spaces
Backyards that feel like an extension of the home with seating, shade, and entertaining areas

Energy efficient upgrades
Windows, doors, and systems that lower long term costs

Kitchen touches that add function
Small upgrades like hardware, lighting, and features that improve daily use

Spa inspired bathrooms
Simple updates that create a more relaxing, elevated feel

Defined spaces
More separation between work, living, and relaxation areas instead of fully open layouts

Buyers today are looking for comfort, function, and lifestyle, not just finishes.

Source: Zillow 2026 Home Trends Report and The Spruce 2026 Renovation Trends

Mid year is the perfect time to pause and take a look at your financial picture.I like to walk clients through a simple ...
06/10/2026

Mid year is the perfect time to pause and take a look at your financial picture.

I like to walk clients through a simple review:

Current mortgage payment and rate
Property taxes and insurance
Debt and monthly obligations
Savings and equity position

From there, we can see if any adjustments make sense.

Maybe it is a refinance. Maybe a HELOC. Maybe everything is already in a great place.

At the very least, you walk away knowing exactly where you stand and that your current setup still aligns with your goals.

Renting vs owning is one of those conversations that is rarely as simple as people want it to be.I have clients on both ...
06/08/2026

Renting vs owning is one of those conversations that is rarely as simple as people want it to be.

I have clients on both sides of this decision and the right answer is always tied to their goals.

Renting offers flexibility and lower upfront commitment.

Owning offers a different set of advantages:

More control over your living situation
The ability to build equity over time
Exposure to long term appreciation

What I focus on is helping clients understand the tradeoffs and how each path aligns with their financial strategy.

In many cases, it is less about what is right in general and more about what is right for that specific moment.

Homeownership has historically been a key driver of long term wealth for many households. Source: FHFA House Price Index 2025.

Not every drop in rates means it is time to refinance.What I look at is your strike rate.Your strike rate is the interes...
06/05/2026

Not every drop in rates means it is time to refinance.

What I look at is your strike rate.

Your strike rate is the interest rate where refinancing actually makes financial sense for you.

Historically, many people used a 1% difference as a guideline. For example, if your current rate is 7.5%, a strike rate might be around 6.5%.

In today’s market, that gap is often smaller. Sometimes a 0.5% to 0.75% difference can be enough depending on the loan structure and goals.

The key is not just the rate. It is the overall impact on your payment, costs, and timeline.

Refinancing can be a great move, but only if it makes sense for your timeline.The key concept is break even.Break even i...
06/03/2026

Refinancing can be a great move, but only if it makes sense for your timeline.

The key concept is break even.

Break even is the point where your monthly savings outweigh the cost of the refinance.

Here is how it works:

Take your total closing costs
Divide by your monthly savings
That gives you the number of months to break even

If you plan to stay in the home longer than that timeframe, the refinance may make sense.

If not, it could actually cost you money.

Understanding this number is one of the most important parts of making a smart refinance decision.

Private Mortgage Insurance does not have to last forever.Many buyers are surprised to learn there are ways to remove PMI...
06/01/2026

Private Mortgage Insurance does not have to last forever.

Many buyers are surprised to learn there are ways to remove PMI depending on their situation.

You may be able to remove it by:

Reaching 20% equity in your home
Seeing an increase in home value
Refinancing into a new loan
Requesting removal based on your current balance

A quick review can show if you are closer than you think.

According to Freddie Mac, rising home values have helped many homeowners reach equity positions faster than expected.

Source: Freddie Mac Housing Market Report 2025.

Weekend vibes just hit different at 5 o’clock
05/29/2026

Weekend vibes just hit different at 5 o’clock

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

+18013912891

Website

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