The Varanakis Group

The Varanakis Group Nikki D'Ambrosio, Intercap loan officer I truly relate to homebuyers who want to be educated on the home loan process.

I greatly enjoy helping people purchase homes & getting them into loan programs that help them achieve all of their housing “wants,” while still maintaining their financial “needs.” It was not long ago that I purchased my first property & I understand that although it is an exciting time, it can also be a daunting experience. I welcome all questions & want my clients to feel completely educated &

at ease throughout the home buying process. The only silly questions are the ones that do not get asked. I pride myself on providing exceptional customer service.

What buyers are asking me in Salt Lake City..."Can I actually afford to buy here?"Affordability isn't just about the hom...
09/09/2026

What buyers are asking me in Salt Lake City...

"Can I actually afford to buy here?"

Affordability isn't just about the home's price. Your monthly payment depends on your loan program, down payment, taxes, insurance, and interest rate. Looking at the full picture often gives buyers more options than they expected.

What buyers are asking me in Salt Lake City..."Do I really need to get pre-approved before I start shopping?"Getting pre...
09/03/2026

What buyers are asking me in Salt Lake City...

"Do I really need to get pre-approved before I start shopping?"

Getting pre-approved helps you understand your budget, strengthens your offer, and gives you confidence when the right home comes along. It also gives us a chance to explore different loan options before you're under contract.

Should I wait for mortgage rates to come down before buying a home in Salt Lake City?It's one of the questions I hear mo...
08/31/2026

Should I wait for mortgage rates to come down before buying a home in Salt Lake City?

It's one of the questions I hear most often. While lower mortgage rates are always welcome, waiting isn't always the best financial decision. Home prices, inventory, and competition all affect affordability. A mortgage pre-approval can help you compare your options based on today's market and decide what's right for you.

Is Park City still a seller's market? Some neighborhoods are still competitive, while others offer buyers more negotiati...
08/28/2026

Is Park City still a seller's market? Some neighborhoods are still competitive, while others offer buyers more negotiating power. Park City isn't one market. Every neighborhood tells a different story.

What credit score do I need to qualify for a mortgage in Utah?There isn't one minimum score for every home loan. FHA, VA...
08/28/2026

What credit score do I need to qualify for a mortgage in Utah?

There isn't one minimum score for every home loan. FHA, VA, conventional, and jumbo loans all have different credit guidelines. Even if your credit isn't perfect, there may be financing options available. The best first step is reviewing your situation with a mortgage professional.

If you're selling condos in Cottonwood Heights, the financing conversation needs to happen earlier than it used to.Fanni...
08/27/2026

If you're selling condos in Cottonwood Heights, the financing conversation needs to happen earlier than it used to.

Fannie Mae is rolling out changes that will affect how many condo projects are reviewed. That means things like HOA reserves, insurance coverage, deferred maintenance, special assessments, and pending litigation could become bigger factors in whether a buyer can get financing.

The good news? Most of these issues can be identified before your buyer writes an offer.

If you're showing a condo, send me the project information first. I'd rather spend 15 minutes reviewing it upfront than find out three weeks into escrow that we have a problem.

A little planning can save everyone a lot of frustration.

Should I rent or buy in Park City? Renting gives you flexibility. Buying gives you the opportunity to build equity over ...
08/25/2026

Should I rent or buy in Park City? Renting gives you flexibility. Buying gives you the opportunity to build equity over time. The right answer isn't the same for everyone, but it's worth comparing your monthly rent to what homeownership could look like.

House hunting starts with knowing your budget. Your Buyer Profile gives you a personalized estimate of your buying power...
08/19/2026

House hunting starts with knowing your budget. Your Buyer Profile gives you a personalized estimate of your buying power before you start shopping. It's free, takes just a few minutes, and helps you plan with confidence.

Here are 5 home loan myths I'm officially retiring in Cottonwood Heights."I need 20% down."You might not. There are loan...
08/16/2026

Here are 5 home loan myths I'm officially retiring in Cottonwood Heights.

"I need 20% down."
You might not. There are loan programs that require much less, and some buyers even qualify for down payment assistance.

"I'll buy when rates come down."
If I could predict interest rates, I'd probably be on a beach somewhere. The better question is whether buying makes sense for your budget today.

"Getting pre-approved will wreck my credit."
Shopping for a mortgage doesn't work the same way people think. Let's talk about how mortgage inquiries are actually treated before you cross it off your list.

"My credit isn't good enough."
You don't have to have perfect credit to buy a home. I'd rather look at your situation than have you guess.

"I'll know when I'm ready."
Most buyers don't wake up one morning knowing they're ready. They ask questions, run the numbers, and make a plan first.

I've had every one of these conversations with buyers in Cottonwood Heights. If you've been wondering whether one of these myths applies to you, let's talk. I'd rather give you real answers than let Chat or Claude make the decision for you.

Address

2750 E Cottonwood Pkwy Suitie 660
Cottonwood Heights, UT
84121

Opening Hours

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

Telephone

+18013475071

Website

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