Shyann Eckel Arizona Mortgages

Shyann Eckel Arizona Mortgages Home loans don't have to be stressful. Give me a call to learn how to qualify for a home loan today!

I am Shyann Eckel, a Producing Branch Manager at Intercap Lending in Flagstaff, Arizona. I am a direct Fannie Mae, Freddie Mac, and Ginnie Mae lender. I offer a wide range of loan programs, including FHA, VA, USDA, conventional, and non-conforming loans. We also specialize in 203k, down-payment assistance, reverse mortgages, and bank statement loans. I have strong relationships with jumbo loan pr

ograms and niche lenders. Fast closings, integrated business systems, and an industry-leading CRM benefit agents, builders, and clients. It's important to me to also offer Co-marketing and advertising services to aid co-branded lead generation with my referral partners.

Arizona has been home to my family for five generations, so I have a pretty long-term view of what it means to own a lit...
09/03/2026

Arizona has been home to my family for five generations, so I have a pretty long-term view of what it means to own a little piece of it.

One of the things I give my clients is a way to keep an eye on their home value, estimated equity and local market activity right from their phone.

Because I don’t think our relationship should end when your loan closes.

Whether you bought your first home in Flagstaff, built in a new community or have owned your home for years, your mortgage and your equity are part of your bigger financial picture.

If you’d like your own free monthly home and equity report, I can set one up for you.

I’ve watched the Flagstaff housing market change a lot over the years, and one thing has stayed pretty consistent: waiti...
08/26/2026

I’ve watched the Flagstaff housing market change a lot over the years, and one thing has stayed pretty consistent: waiting for the “perfect” market is a hard strategy to build a homebuying plan around.

I’d rather start with the numbers.

What purchase price works? What does the monthly payment look like? How much do you want to bring to closing? Would a builder incentive or temporary buydown change the equation?

Especially with new construction, there may be financing options available that you won’t see by simply looking at the list price.

If you know your numbers, you can make a decision based on your life instead of trying to guess what the Flagstaff market will do next.

If you work in new construction, UAD 3.6 is one of those changes worth understanding before it starts showing up in your...
08/19/2026

If you work in new construction, UAD 3.6 is one of those changes worth understanding before it starts showing up in your transactions.

The appraisal is becoming more detailed and more data-driven, with changes to how property characteristics, condition, quality and features are reported.

For agents and builders in Flagstaff, that matters. New construction already comes with appraisal conversations around upgrades, lot premiums, views, energy-efficient features and comparable sales in developing communities.

The better we understand how those details are being communicated and evaluated, the better we can prepare buyers before they are under contract.

I’ve spent much of my mortgage career working in new construction and new community development. I’m paying close attention to these changes because appraisal strategy is part of financing strategy.

Wishing you a fun and meaningful 4th of July. Here’s to celebrating freedom, community, and the people who make every pl...
07/04/2026

Wishing you a fun and meaningful 4th of July. Here’s to celebrating freedom, community, and the people who make every place feel like home.

06/29/2026

Timing is the reason most move-up buyers hesitate. It is also one of the most solvable problems in the transaction when a lender knows what they are doing.

We work with agents regularly to structure loans that give clients flexibility on both the buy and sell side. That means cleaner offers, fewer contingencies, and transactions that do not fall apart because the calendar did not cooperate.

If you have a listing where the seller needs to buy next, this is a conversation worth having before they go under contract. The earlier we get involved, the more options we have.

Send us the scenario and we will tell you what fits.

06/26/2026

Most people think they have to sell their home before they can buy the next one. That is not always true.

Our Stress Less Transition program gives you a 90 day window to buy your next home before your current one sells. No scrambling to find temporary housing. No making an offer contingent on your sale. No living out of boxes while you wait.

Here is why that matters in today's market. Contingent offers are harder to win. Sellers want certainty. When you can come in without a sale contingency, your offer looks completely different.

There are conditions to qualify and not every situation will fit. But for the right buyer, this program removes one of the biggest stress points in the entire moving process.

Watch the video and reach out to find out if you qualify. The process is more straightforward than most people expect.

06/24/2026

Not every buyer looks the same. Neither should their loan.

First-time buyer with limited savings? We have programs for that. Self-employed with complicated income? We have a path forward. Veteran ready to use your benefit? We have you covered. Investor building a portfolio? We work with that too.

The biggest mistake buyers make is assuming they do not qualify before they ever ask. The second biggest mistake is working with a lender who only has one or two options to offer.

We carry the full range. FHA, VA, USDA, Conventional, Jumbo, HELOC, New Construction, Reverse Mortgage, and more. Whatever your situation looks like, we start by finding the right fit, not forcing you into what is easy.

Watch the video and then reach out. Your scenario is probably more workable than you think.

06/22/2026

Ever wonder what actually happens after you apply for a home loan?

Most buyers have no idea what goes on behind the scenes. They submit their application and then wait, hoping for good news. We think you deserve to know exactly what is happening and why.

The approval process comes down to a few core things. Your income, your credit, your assets, and the property itself. Each one gets reviewed and verified. When all four check out, you get your approval.

Knowing this upfront means no surprises mid-process. It also means if something needs attention, we catch it early and fix it before it becomes a problem.

Watch the video. Then reach out and we will walk you through exactly where you stand.

Happy Father’s Day to the dads who build, guide, and inspire every day.Your hard work, support, and dedication create th...
06/21/2026

Happy Father’s Day to the dads who build, guide, and inspire every day.

Your hard work, support, and dedication create the foundation families grow on.

From all of us at Intercap Lending, thank you for everything you do.

Today we honor Juneteenth, a celebration of freedom, resilience, and the ongoing pursuit of equality.At Intercap Lending...
06/19/2026

Today we honor Juneteenth, a celebration of freedom, resilience, and the ongoing pursuit of equality.

At Intercap Lending, we reflect on the importance of opportunity, access, and community for every individual and family. Progress begins when barriers are removed, and everyone has a place to call home.

Address

1750 S Railroad Springs Boulevard Suite 108
Flagstaff, AZ
86001

Opening Hours

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

Telephone

+14802233273

Website

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