Geralann Tabet - Mortgage Loan Officer

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Geralann Tabet - Mortgage Loan Officer

Geralann Tabet is an Intercap loan officer providing home mortgage loans for Utah, Idaho, California, Nevada, Arizona, New Mexico and Texas homeowners.

She lives and works in St. George, Utah. I hold multiple state licenses and can conduct business in UT, CA, ID, NV, AZ, NM & TX. I have been in the banking and mortgage industry for 40+ years and this experience has given me the diversity and knowledge to help you make right choices in your mortgage decisions. At Intercap Lending, customer service is a way of life. My team is dedicated in providin

g the utmost customer service and communication to give you that peace of mind and consistency you look for in a lender. We offer the following loan products: Conventional, Non-Conforming, JUMBO, ARM, FHA, VA, USDA, Utah Housing and Reverse Mortgages.

04/05/2026

This is still one of the biggest myths I hear from buyers.

You do not need 20% down to purchase a home.

There are options that allow for:

0% down for qualified buyers
Low down payment options around 3% to 5%
Flexible structures based on your goals

The right approach depends on your financial picture and what you are trying to accomplish, not a blanket rule.

According to the National Association of Realtors, the median down payment for first time buyers was just 8% in 2025. Source: NAR 2025 Home Buyers and Sellers Report.

If you have been waiting to hit 20%, it may be worth taking a look at what is possible now.

01/05/2026

I hear this all the time. I already have a lender.

That is great. You should.

What I offer is not a replacement, it is a second set of eyes.

Sometimes everything is exactly where it should be and you move forward with full confidence.

Other times, there may be a different structure, option, or strategy that better fits your situation.

No pressure, no obligation. Just clarity.

At the very least, you know you are making the best decision with all the information in front of you.

30/04/2026

I’m so grateful for the opportunity to help my clients through such an important milestone.

Providing knowledgeable, responsive, and thoughtful service is always my goal, and I truly appreciate the trust. I’m always here for any future financing needs!

29/04/2026

Spring is a great time to take a fresh look at your finances, especially your mortgage.

I recommend a semi annual review to look at:

Your current payment
Your interest rate
Property taxes and insurance
Your overall financial profile

From there, we can see if a refinance or HELOC makes sense based on your goals.

At the very least, you walk away knowing you are in the best possible position with what you have today.

A quick review now can create opportunities you did not even realize were there.

27/04/2026

Choosing the right lender is about more than just rate. It is about having the right options and the right support when you need it.

What I focus on:

FLEX Loans for self employed borrowers and non traditional credit profiles
ITIN loan options
Commercial lending solutions
Build Now Pay Later 2 Time Close construction loans

And just as important, being available when you need guidance. Not just Monday through Friday from 9 to 5.

Every client has a different story. The right lending strategy should reflect that.

24/04/2026

A lot of buyers assume they need perfect credit to even start the process. That is simply not true.

There are loan options designed for buyers with a wide range of credit profiles.

What matters more is:

Your overall financial picture
Your income and stability
Your plan moving forward

I spend a lot of time helping buyers understand where they stand and what options are available now versus what could improve with a little time.

You do not need perfect credit. You just need a strategy.

According to Experian, the average FICO score for approved mortgages spans a wide range, not just top tier borrowers.

Source: Experian Mortgage Credit Trends Report 2025.

22/04/2026

The mortgage process does not have to feel confusing or overwhelming.

What I focus on is making it clear, personalized, and aligned with your goals from the start.

That means:

Clear expectations at every step
A strategy built around your financial picture
Consistent communication so you always know what is happening next

No two buyers are the same, so the process should not feel one size fits all.

When the process is done right, clients feel confident, informed, and in control from start to finish.

20/04/2026

When it comes to paying off debt, there is no one size fits all approach. I usually walk clients through two common strategies:

Debt Snowball
Focus on paying off the smallest balances first to build momentum and quick wins.

Debt Consolidation
Combine multiple debts into one payment, often with a lower interest rate.

The right option depends on your goals. Some people need motivation and structure. Others need to reduce interest and simplify payments.

Understanding both can help you choose a strategy that actually works long term.

Source: Federal Reserve Household Debt Report 2025.

17/04/2026

I hear this a lot right now. Buyers are waiting because rates feel high.

But here is the part that often gets missed.

Less competition can create opportunity. Fewer buyers in the market can mean:

💥More negotiating power
💥Potential seller credits
💥Lower purchase prices

When rates eventually shift, competition often increases again.

It is not just about the rate. It is about the full picture of price, terms, and timing.

According to Redfin, homes in 2025 are seeing longer days on market compared to peak competition years, giving buyers more room to negotiate.

Source: Redfin Market Report 2025.

15/04/2026

One question I get all the time is how long it takes to close on a home. The answer depends on the situation, but most purchases fall into three timelines:

30 days
Best for buyers who are fully pre approved and ready to move quickly.

45 days
A great middle ground that gives both buyers and sellers some flexibility.

60 days
Helpful when the seller needs more time or the home requires repairs or coordination.

The right timeline depends on the strength of the buyer and the needs of the seller.

Understanding this upfront can help you write a stronger offer and set better expectations.

Source: Ellie Mae Origination Insight Report 2025.

Address

1085 S Bluff Street Suite 200

84770

Opening Hours

Monday	09:00 - 17:00
Tuesday	09:00 - 17:00
Wednesday	09:00 - 17:00
Thursday	09:00 - 17:00
Friday	09:00 - 17:00

Telephone

+14356192452

Website

https://www.intercaplending.com/loan-officer/geralann-tabet/

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