Mortgages with AJ Molina

Mortgages with AJ Molina AJ Molina MLO Intercap Lending UT. Specializing in home financing & refinancing in multiple states.

Born and raised in Southern Utah, AJ shares the love and joy the desert has to offer. He enjoys all sports indoors and out and being with his family and friends. Coming up on his 5-year wedding anniversary, he can’t wait to start a family with his loving wife. His background in management, sales, and mortgages creates the foundation for being service-minded and achieving the best outcome for his clients. AJ’s commitment to his clients is integrity, communication, and a lasting relationship!

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.

06/24/2026

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.

06/22/2026

Ever wonder what actually happens after you apply for a home loan?

Most buyers have no idea what goes on behind the scenes. They submit their application and then wait, hoping for good news. We think you deserve to know exactly what is happening and why.

The approval process comes down to a few core things. Your income, your credit, your assets, and the property itself. Each one gets reviewed and verified. When all four check out, you get your approval.

Knowing this upfront means no surprises mid-process. It also means if something needs attention, we catch it early and fix it before it becomes a problem.

Watch the video. Then reach out and we will walk you through exactly where you stand.

Happy Father’s Day to the dads who build, guide, and inspire every day.Your hard work, support, and dedication create th...
06/21/2026

Happy Father’s Day to the dads who build, guide, and inspire every day.

Your hard work, support, and dedication create the foundation families grow on.

From all of us at Intercap Lending, thank you for everything you do.

Today we honor Juneteenth, a celebration of freedom, resilience, and the ongoing pursuit of equality.At Intercap Lending...
06/19/2026

Today we honor Juneteenth, a celebration of freedom, resilience, and the ongoing pursuit of equality.

At Intercap Lending, we reflect on the importance of opportunity, access, and community for every individual and family. Progress begins when barriers are removed, and everyone has a place to call home.

06/17/2026

The fastest closings start before you ever find the house.Get your documents together early and the rest of the process gets a lot smoother. Watch the video to see exactly what you need.

These two terms sound similar, but they are very different when it comes to buying a home.Pre QualificationA quick estim...
06/15/2026

These two terms sound similar, but they are very different when it comes to buying a home.

Pre Qualification
A quick estimate based on self reported information. Helpful as a starting point, but not verified.

Pre Approval
A deeper review of income, credit, and assets. This is what sellers and agents take seriously.

In a competitive market, pre approval is what gives buyers confidence and credibility when making an offer.

If you are serious about buying, this is one of the most important steps to take early.

If you are thinking about updating your home this summer, the trends in 2026 are less about major renovations and more a...
06/12/2026

If you are thinking about updating your home this summer, the trends in 2026 are less about major renovations and more about smart, intentional upgrades.

Here are some of the biggest ones I am seeing:

Outdoor living spaces
Backyards that feel like an extension of the home with seating, shade, and entertaining areas

Energy efficient upgrades
Windows, doors, and systems that lower long term costs

Kitchen touches that add function
Small upgrades like hardware, lighting, and features that improve daily use

Spa inspired bathrooms
Simple updates that create a more relaxing, elevated feel

Defined spaces
More separation between work, living, and relaxation areas instead of fully open layouts

Buyers today are looking for comfort, function, and lifestyle, not just finishes.

Source: Zillow 2026 Home Trends Report and The Spruce 2026 Renovation Trends

Address

1085 S Bluff Street Suite 200
Saint George, UT
84770

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 9am - 2pm

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