Amy Yost - Home Loans

Amy Yost - Home Loans Amy Yost, Intercap Loan Officer, specializes in multi state home financing and refinancing.

Amy Yost is your premiere mortgage expert located in Norman, Oklahoma. She prides herself on offering some of the lowest rates nationwide and makes the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Oklahoma area. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, Amy can help you take

that first step toward a financial solution. The FHA, VA, Jumbo and Conventional mortgage rates are the lowest available and we offer all mortgage financing options accessible to you. Amy recognizes that borrowers require a trustworthy mortgage company that takes the time to understand the particular needs of each client.

One question I get all the time is how long it takes to close on a home. The answer depends on the situation, but most p...
04/15/2026

One question I get all the time is how long it takes to close on a home. The answer depends on the situation, but most purchases fall into three timelines:

30 days
Best for buyers who are fully pre approved and ready to move quickly.

45 days
A great middle ground that gives both buyers and sellers some flexibility.

60 days
Helpful when the seller needs more time or the home requires repairs or coordination.

The right timeline depends on the strength of the buyer and the needs of the seller.

Understanding this upfront can help you write a stronger offer and set better expectations.

Source: Ellie Mae Origination Insight Report 2025.

Your credit score plays a big role in your loan options and interest rate, but the good news is there are ways to improv...
04/13/2026

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.

One of the biggest myths I still hear is that you need 20% down to buy a home.The reality is there are multiple options ...
04/10/2026

One of the biggest myths I still hear is that you need 20% down to buy a home.

The reality is there are multiple options depending on your situation:

0% down options for qualified buyers
Low down payment programs around 3% to 5%
10% down and higher for more flexibility

The right option depends on your goals, not just a rule you heard online.

According to the National Association of Realtors, the median down payment for first time buyers was just 8% in 2025.

If you are waiting to save 20%, it may be worth exploring what is actually available now.

Source: NAR 2025 Home Buyers and Sellers Report.

One of the biggest surprises for buyers is closing costs. I always break these down early so nothing feels unexpected.He...
04/08/2026

One of the biggest surprises for buyers is closing costs. I always break these down early so nothing feels unexpected.

Here is what they typically include:

Loan Service Fees
This covers processing, underwriting, and administrative work to get your loan approved.

Legal and Ownership Protections
Title insurance, escrow services, and recording fees to protect your ownership.

Prepaids
These are future costs like property taxes and homeowners insurance that are set up at closing.

Closing costs usually range from about 2% to 5% of the purchase price depending on the loan and location.

Understanding these upfront helps buyers plan and avoid surprises at the finish line.

Source: Freddie Mac BorrowSmart Guide 2025.

If you are thinking about buying your first home, a little preparation goes a long way.Here are a few key steps I always...
04/06/2026

If you are thinking about buying your first home, a little preparation goes a long way.

Here are a few key steps I always recommend before you start shopping:

Check Your Credit
Your score plays a big role in your loan options and interest rate.

Get Pre Approved
This shows sellers you are serious and helps you understand your budget.

Audit Your Savings
Plan for your down payment and closing costs ahead of time.

Know Your Monthly Payment
Look beyond just the purchase price and understand the full payment.

Buyers who prepare early tend to have a smoother experience and stronger offers.

Source: National Association of Realtors 2025 Home Buyers and Sellers Report.

Happy Easter from all of us at Intercap Lending.We hope your day is filled with peace, renewal, and time spent with the ...
04/05/2026

Happy Easter from all of us at Intercap Lending.

We hope your day is filled with peace, renewal, and time spent with the people who make you feel at home.

Many buyers think mortgage rates are only controlled by the market. In reality, a few key factors tied to the borrower a...
04/03/2026

Many buyers think mortgage rates are only controlled by the market. In reality, a few key factors tied to the borrower and loan structure can make a big difference.

Three major ones are:

Credit Score
A higher score signals a lower risk borrower and can unlock better rates.

Down Payment
Putting more money down lowers lender risk and may improve loan pricing.

Loan Term
Shorter loan terms like a 15 year mortgage often carry lower rates than long term loans like a 30 year.

Understanding these factors early can help buyers build a stronger strategy before they start shopping.

Source: ICE Mortgage Monitor Report 2025.

Many buyers think mortgage rates are only controlled by the market. In reality, a few key factors tied to the borrower a...
04/01/2026

Many buyers think mortgage rates are only controlled by the market. In reality, a few key factors tied to the borrower and loan structure can make a big difference.

Three major ones are:

Credit Score
A higher score signals a lower risk borrower and can unlock better rates.

Down Payment
Putting more money down lowers lender risk and may improve loan pricing.

Loan Term
Shorter loan terms like a 15 year mortgage often carry lower rates than long term loans like a 30 year.

According to ICE Mortgage Technology, borrower credit profile and loan structure remain major drivers of mortgage pricing. Source: ICE Mortgage Monitor Report 2025.

Understanding these factors early can help buyers build a stronger strategy before they start shopping.

If renting feels like climbing the same wall every year with no real progress, you are not alone. Many renters feel stuc...
03/30/2026

If renting feels like climbing the same wall every year with no real progress, you are not alone. Many renters feel stuck because prices keep rising, leases keep renewing, and it never feels like the right time to make a move.

Homeownership can create stability and build long term financial confidence, but getting started is often the hardest part. That is where we come in.

At Intercap Lending, we help you understand real numbers, real options, and real next steps. You may have more pathways to buy than you realize.

If you are tired of feeling stuck, reach out and we will explore what is possible.

Buying a home can feel like a puzzle. You already have the vision, the goals, and most of the pieces in place. You just ...
03/25/2026

Buying a home can feel like a puzzle. You already have the vision, the goals, and most of the pieces in place. You just need the right one to complete the picture.

At Intercap Lending, we help connect everything from financing to closing day so you can see the full picture clearly.

Let’s put the last piece in place together.

Your home is more than a purchase. It is the foundation of your future.With prices, rates, and the news shifting every w...
03/23/2026

Your home is more than a purchase. It is the foundation of your future.

With prices, rates, and the news shifting every week, planning ahead matters more than ever. Owning a home is still one of the strongest ways to build long term stability and wealth, and the steps you take now can open more options later.

If you want clarity around affordability, down payment strategies, or what it takes to get preapproved, my team at Intercap can walk you through every part of the process. Your future starts with a plan, and we are here to help you make one that fits your goals.

There’s a lot of bad advice out there about buying a home. Here are five myths we’re busting this month:You need 20% dow...
03/20/2026

There’s a lot of bad advice out there about buying a home. Here are five myths we’re busting this month:

You need 20% down.

You must have spotless credit.

Self-employed buyers can’t qualify.

All mortgages have high fees.

The market isn’t good right now.

Knowledge is power. Let’s talk about what’s really possible.

Address

480 24th Avenue NW Suite 200/24
Norman, OK
73069

Opening Hours

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

Telephone

+14356401214

Website

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Welcome Home

Since 1978 Intercap Lending has maintained the values of a family-owned business, providing honest and personal mortgage lending to homebuyers across America.

Intercap Lending is a direct Fannie Mae, Freddie Mac, and Ginnie Mae lender that offers a wide variety of loan programs and in-house underwriters who follow agency guidelines for faster closings. Our portfolio of loan products is extensive, including specialty programs like 203k, down-payment assistance, and bank statement loans. We also have strong relationships with numerous jumbo programs and other niche lenders and investors.

Real estate agents, builders, and clients benefit from fast closings, integrated business systems, and an industry-leading CRM. our co-marketing and advertising services assist with co-branded lead generation and nurture campaigns.

Homeownership for every stage of life - Homeownership represents 83% of America’s wealth, builds stronger economic growth, and promotes safer communities. Where are you in the homeowner journey?