Andrea Roylance Intercap Lending

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Andrea Roylance Intercap Lending Andrea Roylance is an Intercap loan officer providing home loans and refinance for Utah homeowners. Intercap Lending NMLS # 190465 I Equal Housing Lender

I’m Andrea Roylance, a Loan Officer NMLS # 260636 with Intercap Lending in Farmington, UT. With over 10 years in the mortgage industry, I help clients reach their homeownership goals through clear communication and personalized solutions. My experience allows me to confidently guide first-time buyers, move-up families, veterans, and investors. Outside of work, I enjoy reading, writing, and traveling with my family. I live in Cache Valley, where I stay active and connected in the community.

A home loan is never just a set of numbers. It’s connected to your family, your goals, your timing, and the next chapter...
10/19/2026

A home loan is never just a set of numbers. It’s connected to your family, your goals, your timing, and the next chapter you’re working toward.

I’ve worked in the mortgage industry since 1998 and have experience across nearly every stage of the lending process. That background helps me anticipate potential challenges, explain your options clearly, and build a strategy around your complete financial picture.

My goal is simple: to help you feel informed, supported, and confident from our first conversation through closing.

Ready to explore your options? Let’s have a mortgage talk.

10/19/2026

It's spooky season, but mortgages don't have to be scary. Give me a call and I'll walk you though the process.

Not every borrower’s financial story fits neatly inside a traditional lending box, and that doesn’t automatically mean h...
10/12/2026

Not every borrower’s financial story fits neatly inside a traditional lending box, and that doesn’t automatically mean homeownership is out of reach.

Flex loan options may provide alternative ways to qualify for borrowers with unique income or financial circumstances. The right solution depends on your complete financial picture, the property, and your long-term goals.

Wondering whether a flex loan could work for you? Let’s explore your options together.

Let’s have a mortgage talk.

Open houses come with plenty of opinions, assumptions, and “just looking” conversations. 👀But behind those casual commen...
10/05/2026

Open houses come with plenty of opinions, assumptions, and “just looking” conversations. 👀

But behind those casual comments, I often hear buyers trying to understand what’s actually possible:

“Are we ready to buy?”
“Does the seller have room to negotiate?”
“Why has this home been on the market so long?”
“Could we make this house work for us?”

Those are all great questions, but the answers depend on more than what you see during the walkthrough. Your financing, monthly payment, long-term goals, and the details of the property all matter.

Before you rule a home in or out, let’s look at the full story and build a strategy that makes sense for you.

Let’s have a mortgage talk.

Condo buyers, this is your friendly heads-up! 🏢Qualifying for a condo involves more than reviewing your income, credit, ...
09/30/2026

Condo buyers, this is your friendly heads-up! 🏢

Qualifying for a condo involves more than reviewing your income, credit, and assets. The condominium project may need to qualify too. Depending on the property and loan program, factors like the HOA’s finances, insurance coverage, project status, and documentation can all affect financing.

That doesn’t mean you should cross condos off your list. It simply means asking the right questions early can help prevent surprises once you’re under contract.
Considering a condo? Let’s review the full picture together so you can move forward with clarity and confidence.

Let’s have a mortgage talk.

09/22/2026

What’s the Forecast is back! 🎉

Josh Romney is returning as our featured guest, and you won’t want to miss it. Join us Wednesday, September 30, for fresh insights and great conversations at the WTF Fall Summit.

📩 DM me for the registration link!

Hi, I’m Andrea! If you’re new here, welcome. If we’ve known each other for a while, here’s something you may not know ab...
09/21/2026

Hi, I’m Andrea! If you’re new here, welcome. If we’ve known each other for a while, here’s something you may not know about me.

I entered the mortgage industry at 18 and have worked in nearly every part of the process, including processing, loan origination, branch management, and onboarding. That experience shaped the way I serve my clients today: with education, honesty, and a strategy built around their individual story.

Outside of lending, I’m a mom of three and an international bestselling romance author writing as Darby Briar. Whether I’m helping someone finance a home or writing a new story, I’m passionate about helping people move confidently into their next chapter.

If you’re buying, investing, navigating a divorce, or simply trying to understand your options, I’m here to make the process feel clearer and more personal.

Let’s have a mortgage talk.

Your credit score plays a big role in your loan options and interest rate, but the good news is there are ways to improv...
08/13/2026

Your credit score plays a big role in your loan options and interest rate, but the good news is there are ways to improve it faster than most people think.

Here are a few strategies I often recommend:

Pay down high balances
Lowering your credit utilization can have a quick impact.

Make smaller, more frequent payments
Paying every two weeks instead of once a month can help keep balances lower.

Ask about a rapid rescore
In some cases, updates can be reflected quickly to improve your score before applying.

Even small changes can make a meaningful difference when it comes to loan options and pricing.

Source: Experian State of Credit Report 2025.

Don't stress! There's a loan option for people who are relocating to a new area or starting a new job. Let me share what...
08/03/2026

Don't stress! There's a loan option for people who are relocating to a new area or starting a new job. Let me share what you need to know.

HERE to talk mortgage when you need it most! Don’t feed into the fear of the unknown. Get the answers that fit your situ...
06/15/2026

HERE to talk mortgage when you need it most!

Don’t feed into the fear of the unknown. Get the answers that fit your situation and help finding the best solutions.

Address

Farmington, UT

Opening Hours

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

Telephone

+18016643460

Website

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