What are the opening hours?

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

John Naccarato - Loan Officer

Home
United States
Las Vegas, NV
John Naccarato - Loan Officer

Call Directions Website Contact the business

John Naccarato, MLO Intercap Lending. Specializes in home financing and refis for Utah residents. As a U.S.

John helps homebuyers and homeowners navigate mortgage financing with clarity and confidence. At Intercap Lending, he offers competitive loan programs and personalized guidance throughout the process. military veteran and retired law enforcement supervisor, John understands the unique needs of service members, first responders, and their families. He’s committed to making lending transparent, efficient, and stress-free. Whether you’re a first-time buyer or seasoned investor, John takes time to understand your goals, answer your questions, and guide you to the right mortgage solution. Intercap Lending NMLS # 2788373 | NMLS # 190465 I Equal Housing Lender

10/26/2026

Comfort makes you weak. Discipline makes you dangerous.

That mindset applies at the range and in the mortgage business.

Getting a loan done right takes preparation, attention to detail, and the willingness to work through challenges when things get difficult.

Every borrower has a different story. Self-employed income, credit challenges, investment properties, or a first-time home purchase. The easy answer isn’t always the right answer.

My job is to look at the details, understand your goals, and help you explore the financing options that may fit your situation.

No shortcuts. No guesswork. Just preparation, discipline, and a commitment to doing the work.

Whether it’s on the range or in the mortgage business, the work you put in before the moment matters.

🏡 Need help exploring your mortgage options in Nevada or Oregon? Let’s talk.

🔗 johnnaccarato.com

Mindset

10/23/2026

Beautiful day for golf at SouthShoreCountryClub which turned out to be more than I expected HITTING A HOLE IN ONE! 🏌️‍♂️

Thank you TaylorMade Golf for making amazing golf balls (and clubs) to do so.

10/19/2026

By 2027, the 3.5% FHA down payment will still be mistaken for the full cash requirement.

Closing costs, pre-paids, insurance, and property standards affect the structure.

Review the complete worksheet before writing an offer.

10/18/2026

Southern Highland is an amazing course! So fun to play it.

10/18/2026

Should you buy a house today? Let’s talk about it.

10/18/2026

By 2027, FHA property condition will still be one of the first things worth reviewing before an offer is written.

A buyer can qualify for FHA financing and still run into trouble with a particular home. FHA looks at the borrower and the property, which is where people sometimes get surprised.

Peeling paint on homes built before 1978 may matter. Missing handrails and unsafe access points may matter. A system that is not working as intended may matter. Depending on the appraisal findings, repairs could be required before closing.

That does not mean an FHA buyer should avoid every older home or property with visible wear. It means the financing strategy should account for the home’s condition before everyone is under contract and hoping for the best.

Before you assume a home works for FHA, take a careful look at the property. The payment is only part of the equation.

HUD’s FHA handbook provides more detail: https://www.hud.gov/program_offices/housing/sfh/handbook_4000-1

All loans are subject to approval. Equal Housing Lender.

10/18/2026

A mistake I see often: FHA’s minimum down payment gets treated like the full cost of buying.

Closing costs, prepaids, and mortgage insurance belong on the worksheet too. The down payment is only part of the picture.

10/17/2026

By 2027, “What’s the best loan?” may sound as useful as asking for “the best shoe size.”

Jumbo financing addresses loan amounts beyond conventional limits. Non-QM may allow eligible borrowers to document income differently. DSCR financing looks closely at rental income for an investment property.

Different files need different lanes. Which part of your scenario needs a closer look?

10/17/2026

Specialized financing isn't a shortcut. When conventional financing doesn't match the file, the better move is finding a loan structure that fits the borrower and property.

Program terms vary, and eligibility depends on the borrower, property, documentation, and applicable guidelines. All loans are subject to approval. Equal Housing Lender.

10/17/2026

3 reasons specialized financing deserves a serious look before you default to conventional.

You may disagree, but forcing every file into the conventional lane is often lazy analysis.

1) Jumbo loans can make sense when the loan amount exceeds applicable conventional limits. The question is whether the payment, assets, down payment, and property support the structure.

2) Non-QM may fit eligible borrowers whose income is not best shown through a standard W-2 and tax-return file. Bank statement review can be one option, depending on program guidelines. That is not a shortcut. The documentation still needs to reflect how you actually earn income.

3) DSCR loans may fit an investment property when projected rental income is central to the analysis. The property still needs to meet program requirements, and reserves, down payment, costs, and the investment plan still matter.

Before comparing terms, make sure the file is in the right lane. Gather income documents, debts, liquid assets, your price range, and estimated rental income if the property is an investment. Then compare eligible options.

If your scenario does not fit neatly into a standard box, send it over.

All loans are subject to approval. Equal Housing Lender.

Address

2560 E Sunset Road Suite 121
Las Vegas, NV
89120

Opening Hours

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

Telephone

(702)2242929

Website

https://www.johnnaccarato.com/

Alerts

Be the first to know and let us send you an email when John Naccarato - Loan Officer posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.