Shelley Covington - NMLS ID# 102076 - Intercap Lending

10/30/2026

I love football, a good laugh, and helping people feel more comfortable with a big decision. ❤️

When it comes to buying a home in Kirkland, I want you to feel comfortable asking me anything. What could the payment look like? How much should you plan to bring to closing? Where do you even start?

That’s what I’m here for. We’ll talk through your mortgage options in plain English and build a plan around your goals and budget.

Thinking about making a move? Let’s start with a conversation. 😊

10/29/2026

Condo financing has changed, and some of the old “rules” buyers and Realtors remember may no longer apply.

Recent conventional condo guideline changes have created more flexibility around certain project requirements, including how lenders evaluate reserves, insurance and some project characteristics.

That doesn’t mean every condo automatically qualifies.

Special assessments, deferred maintenance, litigation, insurance coverage, HOA finances and the overall condition of the project can still affect financing.

For Bellevue and Kirkland buyers, this is especially important because condos can be a great path into some of our higher-priced neighborhoods.

Before you rule a condo out because of something you’ve heard in the past, send it my way. Guidelines change. My job is to know what we can do today.

10/23/2026

You may know me as your mortgage advisor, but there’s a whole lot of life happening outside those loan files. ❤️

I’m a mom, grandma, wife, traveler, animal lover, and proud Cougar mom. I love a good adventure, time with my people, and a laugh that takes a minute to recover from. And yes, we need to talk about the wedding hair. 😂

Those parts of my life come with me to work, too. When we talk about your home, I want to know what matters to you, who’s coming along, and what you’re hoping this next chapter will look like.

I’ll help you make sense of the mortgage piece, with plain English and room for plenty of questions.

Swipe for a little more of the person behind the paperwork. 😊

10/21/2026

**Hot take: “We’re waiting for rates” isn’t always about rates.**

Sometimes it means:

“We don’t know what payment we’re comfortable with.”

“We’re worried we’ll buy at the wrong time.”

“We don’t know how much cash we should keep in reserves.”

“We’re not sure what we actually qualify for.”

“We’re self-employed and assume financing will be complicated.”

“We just don’t feel ready yet.”

I’ve spent a lot of years working with numbers, and I can tell you that a rate is only one piece of the equation.

Before you decide to wait, let’s figure out what you’re really waiting for. Then we can run the numbers and build a plan around that.

10/16/2026

My first paycheck was ten cents a row weeding beets on an Eastern Washington farm. In 100-degree heat. Let’s just say I appreciate working indoors. 😂

If we haven’t met, I’m Shelley! And if we have, here are a few things you might not know about me.

I’m the youngest of six, a book lover, a painter, and a very enthusiastic walker. Runner? Absolutely not. I have a grandson named Henry, a dog named Hoosier who’s practically the size of a horse, and a laugh my nieces and nephews will happily tell you about.

Wear Cougar gear around me and there’s a good chance you’ll hear “GO COUGS!” ❤️

I started my career in accounting, but I wanted more people and a little more creativity in my day. Nearly 30 years in mortgages later, helping someone make sense of a complicated situation is still one of my favorite parts of the job.

Having owned my own mortgage company, I also understand how much goes into working for yourself. I especially enjoy helping self-employed buyers understand their options.

Around here, you’ll get plain English, a little humor, and someone who wants to understand what matters to you.

Now tell me something about you! Bonus points if it involves a good book or a very large dog. 🐾

10/13/2026

Debunking a mortgage myth: Self-employed means harder to qualify.

Being self-employed doesn’t automatically make you a difficult borrower. It may just mean we need to look at your financial picture differently.

Intercap Lending’s FLEX Loan Products give us additional ways to approach borrowers with non-traditional or more complex income.

This is where my accounting background comes in handy. I actually like digging into the numbers, understanding how someone earns their income and figuring out which lending strategy makes sense.

If traditional mortgage guidelines don’t tell your whole financial story, don’t assume the answer is no. Let’s look at your options.

10/10/2026

It’s herrrrreeeeeee!

10/09/2026

10/07/2026

Some borrowers have great financial profiles. They just don’t fit neatly into conventional mortgage guidelines.

That’s where **Intercap Lending’s FLEX Loan Products** can come into the conversation.

For my self-employed buyers, real estate investors and borrowers with more complex income, FLEX offers alternative ways to qualify, including options for bank statement income, asset-based qualification, investment properties and other non-traditional scenarios.

This is one of the reasons I love complicated lending. My accounting background taught me how to dig into the numbers, and my years in mortgage taught me that there is often more than one way to structure a loan.

If you’re buying in Bellevue or Kirkland and your income doesn’t fit neatly inside the conventional lending box, let’s look at the whole financial picture before assuming you don’t qualify.

09/30/2026

Some borrowers have great financial profiles. They just don’t fit neatly into conventional mortgage guidelines.

That’s where **Intercap Lending’s FLEX Loan Products** can come into the conversation.

For my self-employed buyers, real estate investors and borrowers with more complex income, FLEX offers alternative ways to qualify, including options for bank statement income, asset-based qualification, investment properties and other non-traditional scenarios.

This is one of the reasons I love complicated lending. My accounting background taught me how to dig into the numbers, and my years in mortgage taught me that there is often more than one way to structure a loan.

If you’re buying in Bellevue or Kirkland and your income doesn’t fit neatly inside the conventional lending box, let’s look at the whole financial picture before assuming you don’t qualify.