Alli Bills - Intercap Lending Inc. NMLS #190465

Alli Bills - Intercap Lending Inc. NMLS #190465 Loan officer NMLS #305235, providing personal and professional mortgage services for Utah homebuyers.

Alli Bills spent her earlier years playing college basketball at the University of Utah, professional basketball in Europe and a short stint with the WNBA. She immediately went into coaching at the college level where she assisted at the University of Utah for 1 year and BYU for 12 years. In 2011 Alli left coaching and started a basketball player development company before joining her parents in t

he mortgage business in October of 2012. Alli’s family business was built on a genuine care for all borrowers and their futures. Alli is committed to her clients and in making their experience one of comfort, education and success!

07/22/2026

The thing no one says out loud to first-time buyers is that the traditional mortgage process was not designed for how a lot of you actually earn money. ⬇️

It was built for stability.
For long tenure.
For the same employer, the same paycheck, the same schedule... year after year.

If that's you, great.

The process works exactly as advertised.

But if you're early in your career, if you're in sales, if you've been building momentum in an industry that rewards performance over longevity, the traditional process is going to feel like it was made for someone else.

Because it was.

A short income history doesn't mean an unstable future.
It means you're earlier in the game.

And the game has changed enough that there are now loan structures designed specifically to look at where you're headed, not just where you've been.

The trust loan is one of them.

What it sees: your current earning capacity.

What it doesn't penalize: the fact that you haven't been doing it for twenty years.

It meets you where your momentum actually is, not where a two-year average says you should be.

First-time buyers in Utah are already navigating a market that feels stacked against them.

High prices.
High competition.
The feeling that everyone else is somehow more qualified.

What I want you to know is that qualification is more nuanced than the standard checklist makes it seem. There are structures available to you that most lenders won't bring up on the first call either because they don't know them, or because they default to the simplest path forward.

The simplest path isn't always the right one for you.
If you have the momentum, there's a loan built for it.

DM me for details.

07/20/2026

Most Utah buyers learn these the expensive way. ⬇️

I spent 13 years coaching athletes. The rules nobody puts in the handbook are the ones that decide who wins and who watches from the sideline. Buying in Utah in 2026 works the same way.

1️⃣ Spring is the most competitive time to buy, not the best: Everyone waits for spring inventory, which means you’re competing with the entire buyer pool at once. The buyers who closed in February and early March got better terms and fewer competing offers. Timing costs more than most people think.

2️⃣ Your pre-qualification letter is not your pre-approval: A pre-qual is your income on a form. A real pre-approval is a full review of your documents, your credit, and your file. Utah listing agents know the difference the moment they open your offer.

3️⃣ Seller concessions are available and most buyers never ask: In Utah’s current market, sellers in many zip codes will negotiate closing cost credits, rate buydowns, and repair contributions. Most lenders don’t bring this up unless you push.

4️⃣ Silicon Slopes and Salt Lake proper are not the same market: Lehi, Draper, and Herriman are running on a different pricing trajectory than Salt Lake City and Ogden. Buyers who treat Utah as one market are making decisions with the wrong data.

5️⃣ Commission, seasonal, and self-employed income are underwritten differently: Most buyers with these income types find out mid-contract. The lender who catches this before you write your first offer is the one you want.

6️⃣ Your lender’s reputation follows your file: Utah listing agents talk. A pre-approval from a lender with a closed-on-time track record carries real weight in competitive situations. You may never know you lost a deal because of it.

7️⃣ Waiting for rates to drop is one of the most expensive strategies in this market: Every client who waited, then moved, has said the same thing. The appreciation they sat out cost more than any rate drop they gained. The math almost never works in favor of waiting.

The buyers who win here are not always the most qualified on paper. They are the

07/15/2026

If I got to do life all over again, I'd choose this path every single time.

Not because mortgages are easy.
Not because every deal goes smoothly.

But because there are very few things more meaningful than helping someone change the trajectory of their family's future.

A home is never just a home.

It's the first asset that starts building wealth while you're busy living your life.

It's the place holidays are celebrated, businesses are launched, dreams are rebuilt, and hard seasons are weathered.

When you help someone unlock that... you're not just closing a loan.

You're opening a door to a completely different future.

That's what gives this work purpose.
The numbers matter.
The strategy matters.

But what fulfills me isn't the transaction.

It's watching someone walk into a home they never thought was possible and realizing their life just expanded.

Real success isn't measured by how much you accumulate.

It's measured by how many lives are better because you showed up with your gifts.

That's a mission worth waking up for.

And if I had another lifetime?

I'd choose to help people build wealth, stability, and freedom through real estate all over again.

Helping people own a home has never been about houses for me. It's about giving them a stronger foundation for everything that comes next.

07/13/2026

The buyers who actually get into homes usually start somewhere much simpler ⤵️

They focus on these 5 things first:

👉🏼 1. Know your real buying power.
Don't guess based on Zillow or what a friend qualified for. Get pre-approved early so you know exactly what your numbers look like before you start making plans.

👉🏼 2. Stop saving blindly.
A bigger down payment isn't always the fastest path to homeownership. Sometimes improving your credit, paying off one small debt, or keeping more cash in reserves creates a stronger approval than putting every dollar toward a down payment.

👉🏼 3. Work with a lender who solves problems, not just fills out applications.
The right lender isn't there to tell you "no." They're there to show you multiple paths to "yes" and explain which one puts you in the strongest position.

👉🏼 4. Use the programs built for first-time buyers.
Most people assume they don't qualify without ever asking. There are loan options, down payment assistance programs, builder incentives, and financing strategies that many buyers never even hear about because no one brings them up.

👉🏼 5. Build a plan, not a wish.
You don't have to buy this month. But you should know exactly what needs to happen over the next 30, 90, or 180 days to make it happen. The easiest path into homeownership is having a clear roadmap instead of guessing.

Homeownership isn't reserved for people who have everything figured out.

It's usually earned by the people who asked better questions, explored every option, and worked with someone willing to think creatively instead of taking the first answer at face value.

➡️➡️➡️ If you've been telling yourself, "I probably can't buy yet," let's figure out if that's actually true.

07/10/2026

Nobody tells you what happens after closing day ⬇️

Save this homeowner checklist. These are the things I review with every buyer before they leave the closing table.

1️⃣ Your first payment may not be due next month
Close in July and your first payment may be September 1. Confirm the exact due date before leaving.

2️⃣ You already paid prepaid interest
That line on your closing disclosure covers interest from closing through the end of the month.

3️⃣ Your servicer may be different from your lender
Loans are often transferred after closing. Watch for the notice—it tells you where future payments go.

4️⃣ Set up your payment portal early
Create your account, confirm the payment address, and know exactly where your money is going.

5️⃣ Know your grace period
Your due date and late-fee date are different. Many loans allow about 15 days, but confirm yours.

6️⃣ Your escrow payment can change
Your servicer reviews taxes and insurance yearly. If either rises, your monthly payment may rise too.

7️⃣ Track when PMI can be removed
On many conventional loans, you can request cancellation around 20% equity. Your servicer may not remind you, so track it yourself.

8️⃣ Save your closing disclosure permanently
You may need it for taxes, future refinancing, or when you sell.

9️⃣ Ask about biweekly payments
Starting early may help reduce principal faster, but confirm the setup and whether it makes sense for your loan.

🔟 Confirm homeowners insurance is active
Make sure coverage began on closing day. Even a short gap can create problems.

You spent months getting here.

Walk out informed, not guessing.

Save this before closing day.

07/09/2026

Most homeowners overpay by six figures without knowing ⬇️

Not because they chose to.

Because nobody walked them through what happens when you make one small change to how you pay.

Bi-weekly payments work because of how mortgage interest is calculated. Interest accrues daily on your remaining balance. When you pay every two weeks instead of once a month, you're reducing that balance slightly faster and that head start compounds across 30 years into something significant.

You also end up making 13 full payments in a year instead of 12. One extra payment. That's it.

But that one extra payment, repeated every year for the life of your loan, is what saves you over $100,000 and cuts nearly a decade off your payoff.

Think about what 10 years of freedom actually looks like. Retiring earlier. Redirecting that payment into investments. Options you simply don't have when you're still locked into a mortgage in your 60s.

This doesn't feel dramatic in the moment. But 15 years from now, you'll know it was one of the smartest financial moves you ever made.

But here's the catch:

This works if it fits your lifestyle. If you're stretched thin maybe this is the year you start it. But if the goal is to accelerate your equity savings, this might be just the way to hack your mortgage and give you more leverage faster than you'd think.

07/09/2026

Raise your hand in the comments if you felt this one 🙌🏽

The women around you are shaping your ceiling.

Think about the ones who showed up when your season was falling apart and refused to let you stay down.

The ones who were there at practice before anyone else. In your corner when you weren't winning. Texting you at 11pm on a hard night. Sitting with you in the waiting rooms when the news felt heavy.

Those women aren't just support. They are the reason you kept going.

AB has been surrounded by that kind of woman her whole life — on the court, in the locker room, in family and in friendship. Women who didn't compete with her rise. They contributed to it.

Proximity is one of the most powerful forces in your life. Not motivation. Not strategy. The actual people you let into your orbit every single day.

The women who remind you that you belong in the room are not cheerleaders. They are accelerators.

You don't rise alone. And if you look around at who's in your corner, you'll know exactly how far you can go.

07/03/2026

Nobody preps you for the first 30 days after closing

Paint colors can wait. The stuff that actually protects you financially happens in that first month, and almost nobody talks about it.

1️⃣ Confirm your first mortgage payment date and set up autopay that same week. Your first payment can land anywhere from 30 to 60 days after closing, and missing it by even a few days can ding a credit file that's still brand new.

2️⃣ Call your insurance company and confirm the policy is actually active on your closing date, not just quoted. A lapse here is the kind of thing that doesn't show up until the day you need to file a claim.

3️⃣ Pull your closing disclosure and look at how your escrow account estimated property taxes. That number is usually based on the previous owner's assessment. Once the county reassesses at your purchase price, your real bill can look different, and your payment can adjust with it next year.

4️⃣ Save a digital copy of your recorded deed and closing documents somewhere outside of email. You will need these again the day you sell, refinance, or pull equity, and by then nobody remembers which inbox they got buried in.

5️⃣ If it's new construction, write down every builder warranty deadline before you unpack a single box. Most windows close faster than people expect, and once they do, the repair is on you.

The house will still be there for paint colors. These five things have a shelf life.

06/30/2026

The timing window in sales is something most people outside of the profession completely underestimate. ⬇️

You already know what it feels like when your season hits.

The pipeline is moving, the numbers are there, and the account looks better than it has all year.

And then, almost without noticing... the season shifts.
The rhythm changes.
And the money that felt so real in June becomes a memory by October.

This is not a worst-case scenario.
This is just how commission income works.

And the lenders who don't understand that will always tell you to wait.

Wait for more history.
Wait for a quieter season.
Wait until the income "stabilizes."

What they're really saying is: wait until the best financial window of your year is already closed.

A trust loan is structured for exactly this moment.

It's designed to qualify buyers whose income peaks, not averages. That means what you're earning right now... the bonus, the commission, the spike is the asset.

Not something to be minimized.
Not something to be explained away. The actual asset.

The math on this is real: if your summer check has the liquidity for a down payment, and the trust loan structure can qualify you on current income rather based on your history, closing by August isn't aggressive.

It's possible.

It's the kind of move that feels like it happened fast only because most people wait until the season is already over to start asking questions.

You don't have to be that person.

Your window is right now.

Address

910 East 6600 South
Salt Lake City, UT
84121

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+18013613740

Website

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