The Missy Fuller Team at Intercap Lending

The Missy Fuller Team at Intercap Lending Missy Fuller Intercap loan officer. Providing home financing and refinancing to UT homeowners. Intercap Lending NMLS # 190465 I Equal Housing Lender

Missy Fuller is a trusted mortgage expert with over 30 years of experience, helping clients navigate one of life’s biggest financial decisions with clarity and confidence. She guides clients through every step of the home financing process—whether first-time buyers, seasoned investors, or anywhere in between—using clear communication and a personalized approach focused on their best interests. Kno

wn for her honesty, reliability, and dedication, Missy has built her business on lasting relationships and referrals. Backed by Intercap Lending, she offers the ideal blend of local service and industry strength so you can move forward with confidence.

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

🏡✨ Just Closed in West Jordan, Utah!Congratulations to this new homeowner on their home purchase! 🎉🔑Buying a home is a h...
06/11/2026

🏡✨ Just Closed in West Jordan, Utah!

Congratulations to this new homeowner on their home purchase! 🎉🔑

Buying a home is a huge milestone, and I’m grateful to help guide clients through the process every step of the way.

Ready to start your own home journey? 📲 Let’s connect and explore your options!

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.

🏡✨ Just Closed in North Salt Lake, Utah!Congratulations to these new homeowners on their home purchase! 🎉🔑There’s nothin...
06/05/2026

🏡✨ Just Closed in North Salt Lake, Utah!

Congratulations to these new homeowners on their home purchase! 🎉🔑

There’s nothing better than helping buyers step into a new chapter and officially call a place home.

Thinking about buying a home? 📲 Let’s connect and create a game plan that works for you!

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.

🏡✨ Just Closed in Layton, Utah!Congratulations to these new homeowners on their home purchase! 🎉🔑There’s nothing better ...
06/02/2026

🏡✨ Just Closed in Layton, Utah!

Congratulations to these new homeowners on their home purchase! 🎉🔑

There’s nothing better than helping buyers step into a new chapter and a place to call home.

Thinking about making a move? 📲 Let’s connect and get your home journey started today!

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.

I see a lot of buyers delay their plans because of things they think are true about credit.Some of the most common myths...
05/29/2026

I see a lot of buyers delay their plans because of things they think are true about credit.

Some of the most common myths:

You need perfect credit to buy
Checking your credit will hurt your score
You cannot qualify if you have some debt

The reality is there are loan options for a wide range of credit profiles, and most of these concerns are manageable with the right plan.

The hardest part is not credit. It is misinformation.

Understanding where you actually stand can open up more opportunities than you expect.

According to Experian, many approved borrowers fall outside of top tier credit ranges.

Source: Experian Mortgage Credit Trends Report 2025.

Address

2750 E Cottonwood Pkwy Suite 660
Cottonwood Heights, UT
84121

Opening Hours

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

Telephone

+18018987353

Website

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