Emily Magill Team - Intercap

Emily Magill Team - Intercap Helping Home Buyers & Business Owners open doors with loans from FHA, SBA, VA, USDA, Conventional, Bridge loans and beyond!

I am a Mortgage Maven with a Passion for Family, Food, and Financing Dreams! I am a stalwart professional in the mortgage industry, boasting an impressive 26-year tenure. Hailing from the scenic landscapes of Utah, my journey into the world of mortgages commenced early in life. At the tender age of 18, I began as a setup assistant, quickly discerning my true calling – to become a loan officer. My

rise in the industry has been meteoric, driven by an unwavering commitment to helping individuals achieve homeownership dreams. Specializing in a myriad of loan programs, my expertise spans conventional loans, FHA, VA, and USDA loans. My extensive knowledge allows me to tailor financing solutions to meet the unique needs of my clients. Beyond the realm of interest rates and mortgage terms, I am a multifaceted individual with a passion for creativity and culinary arts. My innovative spirit extends beyond the boardroom into the kitchen, where I concoct delectable dishes, drinks and shares recipes with friends and family. A true food culture aficionado, my love for diverse cuisines is evident in my cooking experiments. I not only savor the flavors of global cuisines but delight in hosting dinner parties, bringing people together through the shared joy of food and fellowship. Despite my demanding career, I prioritize quality time with my family, recognizing the importance of a balanced life. Whether it's a weekend getaway, a cozy family dinner, or a culinary adventure at home, I cherish every moment spent with my loved ones. Currently serving at Intercap, a prominent player in the mortgage industry, I am not just a loan officer – I am a trusted advisor. My expertise encompasses a range of loan programs, ensuring that clients receive tailored solutions for their unique financial situations. I am not merely a mortgage professional; I am a creative spirit, a culinary enthusiast, and a devoted family person. My journey in the mortgage industry is a testament to passion, perseverance, and the joy of bringing people home through carefully crafted and personalized loan programs.

Intercap Lending clients check their bank balance more than they check their biggest asset. That's backwards, so we buil...
08/06/2026

Intercap Lending clients check their bank balance more than they check their biggest asset. That's backwards, so we built in a fix.

Every client gets a free monthly report on their home's value, equity, and how their payments are paying it down, automatically, for as long as they own the home. You already track everything else. Might as well track the thing that's actually building your wealth.

Big changes are coming to the appraisal process this fall, but if you're buying a home, there's no reason to worry.Begin...
08/03/2026

Big changes are coming to the appraisal process this fall, but if you're buying a home, there's no reason to worry.

Beginning in November, Fannie Mae and Freddie Mac will require a new appraisal reporting format designed to create more consistent property valuations and improve the quality of appraisal data across the country.

For most buyers, the process will feel very familiar. An appraiser will still evaluate the home, compare it to similar properties, and determine its market value. The biggest changes are happening behind the scenes with how appraisals are completed and delivered.

As your lender, my job is to stay on top of industry changes like these so you don't have to. Whether you're buying your first home, moving up, or simply wondering how these updates might affect your purchase, I'm always happy to walk you through what they mean in plain English.

The mortgage industry continues to evolve, and my commitment is to make sure you feel informed and confident every step of the way.

A question I hear from many first-time homebuyers in Lehi is, "Can my parents help me buy a home?"The answer is often ye...
07/31/2026

A question I hear from many first-time homebuyers in Lehi is, "Can my parents help me buy a home?"

The answer is often yes, and there are several ways they can help depending on your situation.

Parents may be able to:
• Gift funds for your down payment or closing costs
• Co-sign on the loan if additional income or credit strength is needed
• Help you qualify through certain loan programs
• Provide guidance as you navigate the homebuying process

Every option comes with different guidelines, so it's important to understand how each one affects your loan before making a decision.

If you're hoping to buy your first home in Lehi but aren't sure whether family can help, let's talk through your options. Sometimes a simple conversation opens more doors than you expected.

I never planned on a career in mortgage lending. I actually thought I was going to become a therapist. Then I took an af...
07/28/2026

I never planned on a career in mortgage lending. I actually thought I was going to become a therapist. Then I took an after-school job at a mortgage company in 1997, and everything changed.

What I discovered is that this career is really about people. Every client comes with a different story, different goals, and different questions. I love helping people work through one of the biggest financial decisions they'll ever make, giving them the knowledge and confidence to move forward.

Over the years, I've had the opportunity to serve in leadership roles, mentor other loan officers, and help shape the next generation of mortgage professionals. Those experiences have made me a better advisor because they've reinforced something I've believed from the very beginning: listening is more important than talking. My job is to understand what's important to you, explain your options clearly, and help you choose the loan that best supports your goals.

Whether you're buying your first home, moving up to fit your growing family, or purchasing a luxury home, I believe the mortgage process should feel personal, not transactional. I'll take the time to answer your questions, keep you informed, and make sure you feel confident from our first conversation through closing day.

As a Utah native, I feel incredibly fortunate to help people put down roots in the communities I know and love. When I'm not working, you'll usually find me cheering on the Utes, trying a new local restaurant, or spending time with the people who matter most.

After nearly three decades in this industry, I still feel grateful every time someone trusts me to help them achieve homeownership. It's a responsibility I never take for granted.

BUY NOW OR KEEP SAVING?This is one of those questions that doesn't have the same answer for everyone.Saving more money c...
07/27/2026

BUY NOW OR KEEP SAVING?

This is one of those questions that doesn't have the same answer for everyone.

Saving more money can absolutely strengthen your position. On the other hand, waiting could also mean paying higher home prices or spending another year renting.

Instead of trying to predict the future, I like helping buyers compare both scenarios. Once you see the numbers side by side, the decision usually becomes much clearer.

A lot of people think buying a home starts with Zillow. I don't.It starts with understanding what feels comfortable for ...
07/24/2026

A lot of people think buying a home starts with Zillow. I don't.

It starts with understanding what feels comfortable for your family. Just because a lender says you qualify for a certain amount doesn't mean that's the payment you want to live with every month.

I've been doing this since 1997, and one thing I've learned is that the happiest homeowners are the ones who bought with confidence, not uncertainty. Before we ever look at homes in Lehi, let's figure out what buying power means for you.

07/07/2026

Not every buyer looks the same. Neither should their loan.

First-time buyer with limited savings? We have programs for that. Self-employed with complicated income? We have a path forward. Veteran ready to use your benefit? We have you covered. Investor building a portfolio? We work with that too.

The biggest mistake buyers make is assuming they do not qualify before they ever ask. The second biggest mistake is working with a lender who only has one or two options to offer.

We carry the full range. FHA, VA, USDA, Conventional, Jumbo, HELOC, New Construction, Reverse Mortgage, and more. Whatever your situation looks like, we start by finding the right fit, not forcing you into what is easy.

Watch the video and then reach out. Your scenario is probably more workable than you think.

Wishing you a fun and meaningful 4th of July. Here’s to celebrating freedom, community, and the people who make every pl...
07/04/2026

Wishing you a fun and meaningful 4th of July. Here’s to celebrating freedom, community, and the people who make every place feel like home.

06/29/2026

Timing is the reason most move-up buyers hesitate. It is also one of the most solvable problems in the transaction when a lender knows what they are doing.

We work with agents regularly to structure loans that give clients flexibility on both the buy and sell side. That means cleaner offers, fewer contingencies, and transactions that do not fall apart because the calendar did not cooperate.

If you have a listing where the seller needs to buy next, this is a conversation worth having before they go under contract. The earlier we get involved, the more options we have.

Send us the scenario and we will tell you what fits.

06/26/2026

Most people think they have to sell their home before they can buy the next one. That is not always true.

Our Stress Less Transition program gives you a 90 day window to buy your next home before your current one sells. No scrambling to find temporary housing. No making an offer contingent on your sale. No living out of boxes while you wait.

Here is why that matters in today's market. Contingent offers are harder to win. Sellers want certainty. When you can come in without a sale contingency, your offer looks completely different.

There are conditions to qualify and not every situation will fit. But for the right buyer, this program removes one of the biggest stress points in the entire moving process.

Watch the video and reach out to find out if you qualify. The process is more straightforward than most people expect.

Address

365 S Garden Grove Ln, Suite 130
Pleasant Grove, UT
84062

Opening Hours

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

Website

Alerts

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

Contact The Business

Send a message to Emily Magill Team - Intercap:

Shortcuts

Share

Category