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.

05/14/2026

🎵 “¿Esto es lo que tú queríííías?” 😂🏡

Cuando pensabas que comprar casa este año estaba imposible… y descubres que sí hay opciones. 👀✨

En Intercap te ayudamos a explorar programas, revisar tus opciones y acompañarte durante TODO el proceso. 🙌

🏡 Sí se puede comprar casa este año.

📩 Mándanos DM o llámanos para comenzar.
📞 385-789-4656

Tu puntaje de crédito influye mucho en tus opciones de préstamo y en el interés que puedes obtener. La buena noticia es ...
05/14/2026

Tu puntaje de crédito influye mucho en tus opciones de préstamo y en el interés que puedes obtener. La buena noticia es que hay maneras de mejorarlo más rápido de lo que muchos piensan.

Aquí hay algunas estrategias que recomiendo con frecuencia:

Baja tus saldos altos
Reducir lo que debes en tus tarjetas puede tener un impacto rápido.

Haz pagos más pequeños y frecuentes
Pagar cada dos semanas en lugar de una vez al mes puede ayudarte a mantener saldos más bajos.

Pregunta por un rapid rescore
En algunos casos, es posible actualizar tu crédito rápidamente antes de solicitar el préstamo.

Incluso cambios pequeños pueden hacer una gran diferencia en tus opciones de préstamo y en las condiciones que recibes.

Fuente: Experian State of Credit Report 2025

05/13/2026

You were told "no" and you accepted it. But here's what most people miss 👇🏼

A "no" from a lender isn't always a no.
A lot of the time, it's a "not yet" and the gap between those two words is usually a lot smaller than you think.

I've helped thousands of people repair their credit, and almost every single one of them was shocked at how fast the needle actually moved once we started pulling the right levers.

The levers that most loan officers either don't know about or don't take the time to walk you through:

1️⃣ Rapid rescoring after a strategic paydown, not just paying down debt, but paying it down to the exact utilization thresholds the bureaus reward, then forcing the update in days instead of waiting 30–60.

2️⃣ Negotiating collections off your report entirely, not "paid in full," not "settled." Removed. A paid collection can still hurt you. A removed one disappears.

3️⃣ Becoming an authorized user on the right tradeline, not just any family member's card. The age, utilization, and payment history of that account matter more than the favor itself.

4️⃣ Disputing inaccuracies the right way, most people dispute and lose because they argue the wrong thing. There's a strategy to what gets challenged and how.

5️⃣ Re-aging accounts after a goodwill letter...yes, it works. No, it's not guaranteed. But when it lands, it's one of the fastest score jumps you'll ever see.

6️⃣ Splitting balances across cards instead of paying one off, sometimes the math says don't kill one card. Spread it.

7️⃣ Timing your statement close date, your score reports off your statement balance, not your due date. Pay before close and the bureaus see a different number entirely.

Most of my clients were told "come back in a year." We had them keys-in-hand in 60 to 90 days.

Because it was never a no.

It was a not yet and nobody showed them the path forward.

If you've been told you're not ready, send me a DM 📬 Let me look at the actual file before you accept someone else's timeline as the truth.

Save this for when you're ready to stop guessing.

05/12/2026

Twenty-three years in this business. Thousands of families through my doors. These aren't opinions... they're non-negotiables.

The kind of stance you only earn after watching enough families get talked into the wrong loan.

If a lender disagrees with these, run.

1️⃣ Your credit score is not your character.

Too many of our gente walk in apologizing for a 580 like they failed a test. You didn't. The system wasn't built with a co-signed phone bill from your tía in mind. Behavior over score, every time.

2️⃣ If your lender doesn't get your culture, interview one that does to see if there is a difference.

Knowing why abuela's name is on the deed. Knowing the weight of being the first one to buy. If they don't get it, they can't protect you.

3️⃣ Co-borrowing with family is a strategy, not a red flag.

Mainstream advice says "keep finances separate." That wasn't written for us. Multi-generational buying is how Latino families have built wealth for centuries.

4️⃣ I will talk you OUT of a house before I talk you into one.

If the numbers don't work, they don't work. A bad mortgage hurts your kids, your retirement, and the next family member watching to see if this is even possible.

5️⃣ Renting isn't "throwing money away" ...but waiting forever is.

I'll never shame someone for renting while they prepare. I will push back on the fear that turns "next year" into ten years.

6️⃣ Down payment assistance is not a handout.

It's a tool generational-wealth families have used quietly for decades under different names. If you qualify, you use it. Pride doesn't build equity.

7️⃣ Your first home is your foundation, not your forever home.

You're not buying the dream house at 28. You're buying the door that opens every other door after it.

These seven are the difference between a lender who closes loans and one who changes family trees.

DM me if you're ready to build something your familia will thank you for.

05/11/2026

I am one of them.

I know what it feels like to grind in silence. To pour everything you have into a dream nobody else can see yet. To wonder if the late nights are going to pay off.

And the truth is, I don't just want to close their loan. I want to watch them level up at every stage of their life. The first home. The bigger home. The investment property. The legacy they're trying to build for their kids.

That's the whole point of this work.

So if you see one of my clients out there building something? Do me a favor 👇🏼

✅ Give them a follow: latindanceutah
✅ Support their business
✅ Show them some love
✅ Ask them about their Nikes, trust me, they'll tell you exactly what pair they got and why 😂

We rise by lifting each other. Every single time.

Know a small business owner ready to buy their first home or level up to the next one? Send them my way. I'll take care of them like family.

Thank you camidominguez_o
joshjohnson_jr

05/09/2026

Mientras todos están distraídos con la política… 👀

🏡 Hay nuevos programas para comprar casa
💰 Opciones para pagar menos al inicio
📈 Más oportunidades para calificar
🔥 Y menos competencia que antes

Este podría ser un gran momento para explorar tus opciones. 🙌

📩 Mándanos DM o llámanos para más información.
📞 385-789-4656

05/09/2026

Dicen que no debes hacerte muy amigo de tus clientes… 😂🏡
Pero cuando ayudas a alguien a cumplir el sueño de comprar casa, pasan cosas como estas. 😎✨
En Intercap nos encanta acompañarte durante TODO el proceso y celebrar contigo cada paso. 🙌
📩 Mándanos DM o llámanos para comenzar.
📞385-789-4656

05/08/2026

Ever hear a Utah stereotype and wondered if it was true? Putting these to rest!

Uno de los mitos más comunes que sigo escuchando es que necesitas dar el 20% de enganche para comprar casa.La realidad e...
05/07/2026

Uno de los mitos más comunes que sigo escuchando es que necesitas dar el 20% de enganche para comprar casa.

La realidad es que existen varias opciones, dependiendo de tu situación:

Opciones con 0% de enganche para compradores que califican
Programas con enganches bajos de aproximadamente 3% a 5%
Opciones con 10% o más para mayor flexibilidad

La mejor opción depende de tus metas, no solo de algo que viste en internet.

Según la Asociación Nacional de Realtors, el enganche promedio para compradores por primera vez fue solo del 8% en 2025.

Fuente: NAR 2025 Home Buyers and Sellers Report

Si estás esperando ahorrar el 20%, puede valer la pena revisar qué opciones existen actualmente

05/07/2026

If you've gotten one of these letters in the mail lately, don't sign a thing. Don't call the number. Don't scan the QR code.

Unless you want your phone to start blowing up.

Refi season brings out every predatory lender in the country, and they're counting on you not knowing the difference.

Here's what their letters and emails actually sound like 👇🏼

🚨 "You've been pre-selected for a special rate"
🚨 "Urgent: action required on your mortgage"
🚨 "You qualify for a tax refund through your home"
🚨 "Government program ending soon – act now"
🚨 "Your lender hasn't told you about this"
🚨 "Limited time offer for homeowners in your area"
🚨 "You could save $400/month – guaranteed"
🚨 "Final notice regarding your property"

If the letter is using fear, urgency, or a fake-official envelope to get your attention, that's the entire strategy. Real lenders don't need to scare you into a phone call.

Here's what predatory refi offers actually do 👇🏼

✅ Bury fees inside the loan so it "feels free"
✅ Reset your loan term back to 30 years
✅ Strip equity you spent years building
✅ Lock you into a higher rate with a lower payment

A lower monthly payment is not the same thing as a better loan. Read that again.

Your home is the biggest financial decision your family will ever make. You don't get to undo a bad refi the way you can return a pair of shoes.

If you ever get one of these letters and you're not sure if it's real, send it to me before you do anything. I'll tell you exactly what's going on, what it's costing you, and whether it's worth a second look.

That's what I'm here for.

Save this so you have it when the next one shows up.

05/04/2026

They do 3 things differently that made all the difference 👇

In 2025, Latino families added 441,000 net new homeowners in the U.S. Without us, the country would have lost homeowners last year. We carried the entire homeownership growth in America.

So how? Here's what's actually happening:

1️⃣ We stack incomes the right way
Most buyers try to qualify on one or two incomes. Latino families pool income across generations. Parents, adult kids, sometimes siblings, all on one loan. There are programs built for this. Non-occupant co-borrowers. Boarder income. Multi-generational mortgages. Most lenders never mention them. We use them.

2️⃣ We use the programs nobody talks about
ITIN loans. Down payment assistance. FHA with co-borrowers who don't even live in the home. These programs exist for a reason. Latino families are finding them and using them while everyone else assumes they don't qualify and quits before they ever ask.

3️⃣ We don't buy for ourselves. We buy for our family.
This is the real reason. The motivation isn't a dream home. It's making sure your parents never have to rent again. It's leaving something behind for your kids. It's breaking a cycle that started before you were born.

That motivation is different. It pushes you through the credit work, the saving, the doubt, the waiting. It's the reason Latino homeownership doubled in the last 20 years. And it's the reason we just hit a record 10.2 million Latino homeowners in America.

If your family is the reason, you already have what most buyers are missing.

Ready to start your plan? Always here to help, you know where to find me!

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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