Hope Orton - Intercap Lending

Hope Orton - Intercap Lending Hope Orton MLO Intercap Lending UT. Specializing in home financing & refinancing for UT residents. I’m Hope Orton, a Loan Officer with Intercap Lending in St.

George, Utah. With nearly 20 years in the mortgage industry, I help clients achieve their homeownership goals through clear communication and personalized solutions. Licensed since 2008 and experienced across 18 states, I specialize in guiding first-time buyers, move-up families, veterans, and investors with confidence. Outside of work, I enjoy time with my husband, Brandon—an Active Duty servicem

ember and two-time war veteran, and our three children. I stay active in the community by supporting military families and helping others build roots through homeownership.

A lot of lenders offer similar products—the real difference is how they’re delivered.For me, it always starts with you:•...
05/29/2026

A lot of lenders offer similar products—the real difference is how they’re delivered.

For me, it always starts with you:
• Understanding your goals
• Turning that into a clear strategy
• Staying in close communication the whole way through

When that’s done right, everything else just works—more confidence, smoother transactions, and a better experience overall.

Because it’s not just about getting you to the closing table… it’s about how you get there 🙌

This is probably the biggest question I’m getting right now...Should you wait for rates to drop, or move forward now?Her...
05/27/2026

This is probably the biggest question I’m getting right now...

Should you wait for rates to drop, or move forward now?

Here’s what I’m seeing in real time:
When rates feel higher, competition slows down—and that can create opportunities:
• More room to negotiate
• More seller flexibility
• Less pressure with multiple offers

When rates drop, demand usually picks back up… which can mean more competition and higher prices.

So it’s not just about where rates are—it’s about the full picture.

Price, competition, credits, and your long-term plan all matter

The right move looks different for everyone 🏠

(Source: Redfin Market Report 2025)

The biggest mistake I see buyers make? Starting the home search before they understand their numbers.It’s easy to fall i...
05/25/2026

The biggest mistake I see buyers make? Starting the home search before they understand their numbers.

It’s easy to fall in love with a home online… a lot harder when the payment isn’t what you expected.

Start here instead:
• Know your monthly payment
• Understand your loan options
• Get fully pre-approved

When you start with a strategy instead of just searching, everything gets easier—better decisions, stronger offers, and way less stress.

Debt consolidation can be a great tool… or a setback.It works when you’re lowering your interest and creating a plan.It ...
05/22/2026

Debt consolidation can be a great tool… or a setback.

It works when you’re lowering your interest and creating a plan.
It doesn’t work if balances move but habits stay the same.

When used the right way, it can:
• Lower your monthly payments
• Save you money on interest
• Simplify everything into one payment

But the strategy matters just as much as the numbers.

Sometimes using home equity (refi or HELOC) can help—sometimes it’s not the right move.

The goal isn’t just to move debt… it’s to actually improve your overall financial position ✨

I get a lot of the same questions from buyers—especially at the beginning.Here are a few of the big ones:• Do I need 20%...
05/20/2026

I get a lot of the same questions from buyers—especially at the beginning.

Here are a few of the big ones:

• Do I need 20% down?
Nope—many buyers put down much less.

• How much are closing costs?
Usually around 2%–5% of the purchase price.

• Why does pre-approval matter?
It shows sellers you’re serious and gives you a clear budget.

• Points vs credits?
Points can lower your rate, credits can reduce upfront costs.

Getting clear answers early makes everything easier—faster decisions, stronger offers, and way less stress 🙌💕

(Source: NAR 2025 Home Buyers and Sellers Report)

This is exactly how I want every client to feel at the end of the process 🙌Buying a home isn’t always easy—but having th...
05/18/2026

This is exactly how I want every client to feel at the end of the process 🙌

Buying a home isn’t always easy—but having the right team makes all the difference.

So grateful I got to be part of this one 💕

I’ll always be here for whatever comes next!

Credit myths are keeping people on the sidelines.Let’s clear a few up:• You do NOT need perfect credit• Checking your cr...
05/14/2026

Credit myths are keeping people on the sidelines.

Let’s clear a few up:
• You do NOT need perfect credit
• Checking your credit doesn’t ruin your score
• There are still options—even with existing debt

The first step is just understanding what’s actually possible ✨

(Source: Experian Mortgage Credit Trends Report 2025)

Commercial lending is a whole different game—and that’s where strategy matters.There’s a lot more flexibility than peopl...
05/12/2026

Commercial lending is a whole different game—and that’s where strategy matters.

There’s a lot more flexibility than people think:
• Loan sizes that fit your project
• Flexible qualifications
• Options beyond just your credit score

Every deal is different—and the goal is to structure financing around your vision, not force it into a box 🙌

Knowing your options early can make all the difference!

You do NOT need 20% down to buy a home!This is one of the biggest myths I still hear—and it’s keeping people on the side...
05/08/2026

You do NOT need 20% down to buy a home!

This is one of the biggest myths I still hear—and it’s keeping people on the sidelines way longer than they need to be.

The reality:
• Some buyers qualify for 0% down
• Many put down 3%–5%
• Others choose higher depending on their goals

There’s no one-size-fits-all—it’s about what makes sense for you.

In fact, the median down payment for first-time buyers was just 8% in 2025.

If you’ve been waiting to hit 20%, it might be worth seeing what your options look like now 🙌

(Source: National Association of Realtors)

The mortgage process should feel clear and personalized—not confusing!I focus on building a strategy around your goals, ...
05/06/2026

The mortgage process should feel clear and personalized—not confusing!

I focus on building a strategy around your goals, setting expectations upfront, and keeping communication consistent so you always know what’s next.

No guesswork—just a process that actually works ✨

Address

1085 S Bluff Street Suite 200
Saint George, UT
84770

Opening Hours

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

Telephone

+18015975231

Website

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