Christian N Martinez - Intercap Lending

Christian N Martinez - Intercap Lending Christian N Martinez Team | Branch Manager/Senior Loan Officer - NMLS # 277428 | Intercap Lending, Inc. - NMLS # 190465 Equal Housing Lender

Your Intercap Loan Officer can help you select the right loan program and options for your unique needs, goals, and situation. Intercap Lending has been a trusted home loan provider since 1978.

09/04/2026

Most people skip this step ⤴️

Get fully preapproved, not casually prequalified.

There is a difference.

A quick prequalification may rely on numbers you entered yourself.

A stronger preapproval reviews your income, assets, credit, debts, and the documents that could change the answer later.

Why does that matter?
Because the wrong sequence looks like this:
You tour homes.

You picture your family inside one.
You make plans around a payment you guessed.
Then the file reveals an income, debt, credit, or cash issue that needs months to fix.

Now you are not only delayed.
You are emotionally attached to a home you were never positioned to buy.

A real preapproval can uncover:
➡️ Which income is usable
➡️ How much cash you actually need
➡️ The payment that feels comfortable
➡️ Which debts should be handled first
➡️ Which loan options deserve comparison
Touring should confirm the plan – not create it.

➡️ Before you fall in love with a Utah home, make sure the financing can get you through the front door.

09/04/2026

“Yo sé que no califico…” 🤔
Pero… ¿quién te dijo eso?
Muchas personas descartan la posibilidad de comprar casa antes de hablar con un profesional. Hay diferentes programas y opciones que vale la pena conocer.
No lo asumas. ¿Y si sí calificas? 👀🏡
📲 385-789-4656
Con Christian Martínez, ¡sí se puede!

09/03/2026

¿Sabías que existen opciones para comprar casa con poco o ningún pago inicial?

Descubre cómo acercarte a tu nuevo hogar sin esperar años para ahorrar.

09/03/2026

🏡❤️ A father helping his son take a big step toward his future.

This closing was extra special for Ali and me.

Our buyer is only about 25 years old, and with the support of his dad, they were able to purchase a home together and create a strategy that made sense for both of them.

What made this one even more meaningful is that Ali has known this family for years. They’re all from her hometown of McAllen, Texas, the 956! 🤘🏽🌴 So being able to help people she knows personally made this closing hit a little different.

We worked together to find the right property, structure the right loan program, and strategically use the resources they already had available to make homeownership happen.

I love seeing parents help their children get ahead at a young age. At 25, he’s not just buying a house he’s beginning to build equity and creating a foundation for his future. 🔑📈

Congratulations to this father and son! Thank you for trusting Ali and me to be part of such an important moment. 🙏🏽

Buying a home isn’t always about doing it alone. Sometimes the best strategy is family helping family.

Thinking about buying, selling, refinancing, or creating a strategy to help your children become homeowners? Let’s talk.

Christian N Martinez
📱 801-787-1172
📧 [email protected]

956 TexasToUtah BuildingWealth RealEstate MortgageStrategy FamilyHelpingFamily JustExecute

09/02/2026

Selling your home should NEVER be step one if step two isn’t already verified.

Unfortunately, I’ve seen buyers make major financial decisions because someone told them, “You’re good to go,” only to find out later that their income, taxes, or loan structure doesn’t qualify the way they were told.

Before you list your current home, give notice to your landlord, move in with family, or start moving money around, protect yourself:

➡️ Get fully reviewed, not casually “pre-approved.”

Your lender should review the documents your approval actually depends on. If you’re self-employed, that means understanding what your tax returns show – not simply what your business brings in.

➡️ Ask what could disqualify you.

A good lender shouldn’t only explain why the loan works. Ask, “What could make this fall apart?” You deserve to understand the weak points before making a major move.

➡️ If traditional financing doesn’t work, ask what Plan B looks like.

Self-employed income, ITIN situations, complicated taxes, or nontraditional income do not automatically mean you cannot buy. Sometimes the structure needs to change.

➡️ Understand the tradeoffs BEFORE choosing another program.

A different loan could require a larger down payment, different documentation, or different terms. Know those numbers before committing your current equity or savings.

➡️ Never confuse “not this way” with “not possible.”

Sometimes the answer really is no.

But after 23+ years in lending, I also know there is a huge difference between a lender who says, “You don’t qualify,” and one who says, “You don’t qualify this way. Here are the other paths we can evaluate.”

➡️ Most importantly, do not make an irreversible move based on a reversible approval.

Selling your house changes your life.

Your financing needs to be thoroughly understood BEFORE you make that decision.

If your situation is complicated, I would rather spend more time building the plan upfront than have you find out the hard way later.

Send me a message before you make the move. Let’s understand your options first.

09/01/2026

When you are first, you do not inherit a checklist.

So save this one:

1️⃣ Ask questions before you feel ready. A planning conversation is not a commitment to buy.

2️⃣ Choose your payment before your price. Approval and comfort are different numbers.

3️⃣ Keep your money traceable. Avoid unexplained cash deposits and unnecessary transfers.

4️⃣ Do not change jobs, open credit, or finance purchases without checking with your lender.

5️⃣ Budget beyond the down payment. Closing costs, reserves, moving, repairs, and utilities matter too.

6️⃣ Build your team around explanation. You should never be rushed through a document you do not understand.

7️⃣ Think beyond closing day. The right first home should support your life and create options for the future.

Maybe nobody in your family can tell you what an appraisal does, how escrow works, or why the final cash amount changes.

That does not make you unprepared.
It means your team has a bigger responsibility to teach.

➡️ Being first means learning more – but it also means everyone after you starts further ahead.

Address

365 South Garden Grove Lane Suite 130
Pleasant Grove, UT
84062

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

Telephone

+18017871172

Website

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