Shelley Covington - NMLS ID# 102076 - Intercap Lending

Shelley Covington - NMLS ID# 102076 - Intercap Lending Shelley Covington, MLO Intercap Lending specializing in home financing and refinancing for WA.

I’m Shelley Covington, a Loan Officer with Intercap Lending in Kirkland, WA. With 25 years in the mortgage industry, I help first-time buyers, families, veterans, and investors achieve their goals through clear communication and tailored solutions. Intercap is a direct Fannie Mae, Freddie Mac, and Ginnie Mae lender, offering in-house underwriting for faster closings. I work with FHA, VA, USDA, con

ventional, jumbo, and specialty loans including 203k, down payment assistance, reverse mortgages, and bank statement programs. My goal is to make the process smooth and stress-free while providing clients, agents, and builders quick closings, easy systems, and co-marketing tools.

I’ve spent enough years in mortgage, real estate and escrow to know that a successful home purchase involves a lot more ...
09/08/2026

I’ve spent enough years in mortgage, real estate and escrow to know that a successful home purchase involves a lot more than getting someone pre-approved.

There are numbers to analyze, problems to anticipate, people to communicate with and sometimes a lending puzzle that needs to be solved. That last part might be my favorite.

Whether you’re buying your first home, self-employed with a more complicated financial picture, or purchasing in the Bellevue market, I want you to understand your options and feel like someone is paying attention to all the details behind the scenes.

Here are five mortgage myths I’d happily retire.

Self-employed? Your financial picture probably doesn’t fit neatly into a couple of W-2 boxes, and your mortgage strategy...
09/01/2026

Self-employed? Your financial picture probably doesn’t fit neatly into a couple of W-2 boxes, and your mortgage strategy shouldn’t either.

I work with a lot of self-employed borrowers, so I understand that tax returns, business income, write-offs, assets and the way you actually earn money all matter when we’re evaluating your options.

And once you own the home, I want you to understand that asset too. My clients have access to ongoing home value and equity insights so they can see how their home fits into their bigger financial picture long after closing.

My accounting background probably explains why I have a hard time looking at only one number.When someone asks me whethe...
08/25/2026

My accounting background probably explains why I have a hard time looking at only one number.

When someone asks me whether they should buy now or wait, I want to look at the whole equation: home prices, interest rates, monthly payment, potential appreciation, how long you plan to own the home and what waiting could cost you too.

Especially in markets like Bellevue and Kirkland, waiting is still a financial decision. Before you make it, let’s run the numbers.

I taught first-time homebuyer classes for years, and one thing hasn’t changed: most buyers don’t need someone pushing th...
08/18/2026

I taught first-time homebuyer classes for years, and one thing hasn’t changed: most buyers don’t need someone pushing them to buy. They need someone who will help them understand how buying actually works.

If you’ve been scrolling homes in Bellevue, Kirkland or Richmond but aren’t sure what you can comfortably afford, that’s where I come in. We can look at the numbers, talk through your options and turn “maybe someday” into an actual plan.

You don’t have to know everything before you start. That’s my job.

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.

Address

910 E 6600 S
Salt Lake City, UT
84121

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 Shelley Covington - NMLS ID# 102076 - Intercap Lending posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category