Loans with Ilce

Loans with Ilce Ilce Bonnett is an Intercap loan officer providing home mortgage loans and refinance to Arizona and Utah homeowners.

Ilce lives and works in Phoenix, Arizona


IIce Bonnett Loan Officer NMLS # 965367 Intercap Lending NMLS # 190465 I Equal Housing Lender

Most homeowners have no idea how much equity they've built.They also don't know what their home is worth today.That's wh...
08/28/2026

Most homeowners have no idea how much equity they've built.

They also don't know what their home is worth today.

That's why I love sending a monthly Home Value & Equity Report.

Every month, you'll receive an updated estimate of your home's value, a snapshot of your equity, and insights into what's happening in your local market.

Whether you're thinking about selling, remodeling, buying your next home, or you're just curious, it's a simple way to stay informed.

The best part?

It's free, and it shows up right on your phone each month.

If you'd like to receive your monthly report, send me a message and I'll get you set up.

08/27/2026

¿Quieres entender cómo funciona tu puntaje de crédito al comprar una casa?

Mira este video y aprende lo que necesitas saber para prepararte.

Buying a home in Salt Lake City starts with knowing your budget. Create your free Buyer Profile to estimate your buying ...
08/24/2026

Buying a home in Salt Lake City starts with knowing your budget. Create your free Buyer Profile to estimate your buying power, explore financing options, and shop with confidence when you find the right home.

I keep hearing the same thing from buyers."We're just going to wait and see what happens."I get it. Buying a home is a b...
08/21/2026

I keep hearing the same thing from buyers.

"We're just going to wait and see what happens."

I get it. Buying a home is a big decision, and nobody wants to feel like they're making it at the wrong time.

But waiting without a plan is different than deciding to wait because it makes sense for your situation.

If you're wondering what a payment would look like or whether buying is realistic right now, those are easy conversations to have. You don't have to commit to buying a house. You just need enough information to decide what's best for you.

If that means buying this year, great. If it means waiting, that's okay too. At least you're making the decision with real numbers instead of guessing.

08/20/2026

¿Sabías que puedes reducir tu pago mensual en el primer año de tu hipoteca?

Pregúntame sobre las opciones de buydown temporal y cómo pueden ayudarte a comprar con más comodidad.

Looking for a home in Salt Lake City? Before you schedule showings, create your free Buyer Profile. It's a simple way to...
08/18/2026

Looking for a home in Salt Lake City? Before you schedule showings, create your free Buyer Profile. It's a simple way to estimate your buying power and better understand your mortgage options before you start shopping.

One of the biggest reasons buyers say, "Maybe later," is because they don't have enough information to make a decision. ...
08/14/2026

One of the biggest reasons buyers say, "Maybe later," is because they don't have enough information to make a decision. They aren't saying no to buying a home. They're saying no to uncertainty.

That's why I love when my Realtor partners bring me into the conversation early. We can answer questions about monthly payments, down payment options, and financing before a buyer falls in love with a house.

Sometimes that conversation leads to a pre-approval. Sometimes it gives the buyer a plan for the next six months. Either way, they're moving forward instead of putting everything on hold because they don't know where to start.

If you have buyers who are on the fence, let's talk. A 15-minute conversation can make a big difference.

Comprar casa se siente mucho más fácil cuando entiendes los pasos desde el inicio. A mí me gusta explicarles el proceso ...
08/13/2026

Comprar casa se siente mucho más fácil cuando entiendes los pasos desde el inicio. A mí me gusta explicarles el proceso a mis clientes antes de que empiecen a buscar casa, para que no haya sorpresas.
Así es como normalmente funciona el proceso del préstamo:

El comprador completa la solicitud del préstamo
El vendedor acepta la oferta
El préstamo entra a revisión
El préstamo es aprobado
El préstamo queda listo para cerrar (casi llegamos)
El préstamo se financia y recibes las llaves

Según la Asociación Nacional de Realtors, el 88% de los compradores usaron financiamiento para comprar su casa en 2025.

Fuente: NAR 2025 Generational Trends Report
Si estás pensando en comprar casa, con gusto puedo explicarte cada uno de estos pasos.

House hunting starts with knowing your budget. Your Buyer Profile gives you a personalized estimate of your buying power...
08/11/2026

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.

I don't think anyone decides to buy a home overnight. It usually starts with a few minutes of scrolling after dinner.A h...
08/07/2026

I don't think anyone decides to buy a home overnight. It usually starts with a few minutes of scrolling after dinner.

A house catches your eye. You send it to your spouse. You drive through the neighborhood the next time you're nearby. Before you know it, you're wondering if buying could actually work.

I see that all the time with buyers in Cottonwood Heights.

The mistake is thinking you have to wait until you've found the perfect house before talking to a lender. You don't.

A conversation now can answer a lot of questions. What would your monthly payment look like? How much would you need for a down payment? What loan programs are available?

You may find out you're ready sooner than you thought. Or you may decide waiting is the right move. Either way, you'll have a plan instead of wondering.

If you've been browsing homes in Cottonwood Heights, let's talk through your options. No pressure. Just a chance to see what's possible.

Address

394 N 3rd Avenue
Phoenix, AZ
85003

Opening Hours

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

Telephone

+18017870584

Website

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