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Emily Magill Team - Intercap

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United States
Pleasant Grove, UT
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.

06/03/2026

Refinancing can be a great move, but only if it makes sense for your timeline.

The key concept is break even.

Break even is the point where your monthly savings outweigh the cost of the refinance.

Here is how it works:

Take your total closing costs
Divide by your monthly savings
That gives you the number of months to break even

If you plan to stay in the home longer than that timeframe, the refinance may make sense.

If not, it could actually cost you money.

Understanding this number is one of the most important parts of making a smart refinance decision.

06/01/2026

Private Mortgage Insurance does not have to last forever.

Many buyers are surprised to learn there are ways to remove PMI depending on their situation.

You may be able to remove it by:

Reaching 20% equity in your home
Seeing an increase in home value
Refinancing into a new loan
Requesting removal based on your current balance

A quick review can show if you are closer than you think.

According to Freddie Mac, rising home values have helped many homeowners reach equity positions faster than expected.

Source: Freddie Mac Housing Market Report 2025.

05/29/2026

I see a lot of buyers delay their plans because of things they think are true about credit.

Some of the most common myths:

You need perfect credit to buy
Checking your credit will hurt your score
You cannot qualify if you have some debt

The reality is there are loan options for a wide range of credit profiles, and most of these concerns are manageable with the right plan.

The hardest part is not credit. It is misinformation.

Understanding where you actually stand can open up more opportunities than you expect.

According to Experian, many approved borrowers fall outside of top tier credit ranges.

Source: Experian Mortgage Credit Trends Report 2025.

05/27/2026

Not every loan should be approached the same way.

What I focus on is personalized service that actually fits the client, not a one size approach.

That means:

Understanding your goals first
Building a strategy around your financial picture
Communicating clearly at every step

The difference is not just in the loan itself. It is in how the process feels.

When it is done right, you feel informed, confident, and supported from start to finish.

05/25/2026

Today we remember and honor the brave men and women who gave everything for our freedom.

Thank you for your courage and sacrifice.

05/22/2026

The number one mistake I see buyers make is starting their home search before they understand their numbers.

It is easy to fall in love with a home online. It is much harder when the payment does not match what you expected.

What I always recommend first:

Get clear on your payment
Understand your loan options
Get fully pre approved

When buyers start with a strategy instead of a search, everything changes. Decisions are easier, offers are stronger, and there is a lot less stress along the way.

05/20/2026

Debt consolidation is one of those tools that can be very effective when used the right way.

When it helps
Moving high interest debt into a lower interest loan can reduce monthly payments and save on interest over time.

When it hurts
If the balance is moved but spending habits stay the same, it can create more debt instead of solving it.

The key is pairing the strategy with a plan.

In some cases, using home equity through a refinance or HELOC can be part of that solution. In others, it may not be the right move.

The goal is not just to move debt. It is to improve the overall financial position.

05/18/2026

A renovation loan allows you to combine the purchase of a home and the cost of improvements into one loan.

That means:

One loan instead of separate financing
Ability to update or customize a home right away
Potential to increase value through renovations

This can be a great option for buyers who find a home with potential but not everything on their wish list.

Instead of passing on the property, you can turn it into what you want from the start.

05/15/2026

Not every borrower fits into a traditional box, and that is where FLEX loans come in.

These programs are designed for:

Self employed borrowers
Non traditional income
Unique financial situations

Instead of forcing a file into strict guidelines, FLEX loans allow for a more complete look at the borrower.

That can mean using alternative documentation, considering assets differently, or structuring the loan around how someone actually earns and manages money.

If you have ever felt like you do not fit the standard mold, there may be more options available than you think.

05/13/2026

One of the biggest challenges I see is timing the sale of a current home with the purchase of the next one.

Transition loans are designed to solve that.

They allow you to:

Buy your next home before selling
Sell or rent your current home within a set timeframe
Move without feeling rushed or pressured

This creates flexibility and removes the stress of trying to line up two major transactions at the same time.

For many buyers, it turns a complicated move into a much more manageable process.

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

http://www.emilymagill.com/

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