Alli Bills - Intercap Lending Inc. NMLS #190465

Alli Bills - Intercap Lending Inc. NMLS #190465 Alli Bills is an Intercap Lending loan officer 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!

06/11/2026

I hear these all too often and it could be costing you the biggest wealth building opportunity.

So I made this list to ensure you don't miss out. If you've ever thought one of these, reach out immediately, let me help you navigate this part:

1️⃣ "You need a family trust already set up."

You don't. The loan structure uses a trust as a qualifying framework, it doesn't require one to already exist in your family.

Starting from zero is fine.

2️⃣ "It's only for wealthy buyers."

This is the one that costs people the most.

Trust loans are an income qualification tool. They're specifically designed for buyers whose earning structure doesn't fit a traditional W-2 mold... commission earners, variable income earners, high performers in early career stages.

Wealth is not the requirement.
Income structure is.

3️⃣ "My commission income won't qualify."

Commission income qualifies.
Bonus income qualifies.
Variable income qualifies.

The trust loan structure is built to read your income the way you actually earn it, not the way a standard underwriter is trained to average it.

4️⃣ "The process takes too long for a summer window."

This one depends entirely on who you're working with and how prepared you come in. Buyers who are organized and working with a lender who knows this product can move faster than they expect.

5️⃣ "I need 20% down."

You don't.

Down payment requirements vary by loan structure, purchase price, and qualification profile.

The 20% myth keeps a lot of buyers on the sidelines longer than they need to be.

6️⃣ "This isn't for someone like me."

This is the one I want to push back on the hardest.

Trust loans were created because the traditional mortgage system has a gap... and that gap is exactly where a lot of high-performing, growth-oriented buyers fall.

If you've been told to wait, ask for a second opinion.

The answer might look very different with the right product in front of you.

06/09/2026

Most people hear "trust loan" and immediately check out. ⬇️

They picture old money.
A family attorney.
A trust that's been set up for decades with someone's grandfather's name on it.

They assume it's not for them and honestly, that assumption is costing them a really significant opportunity.

A trust loan doesn't require a pre-existing trust.

It doesn't require a family fortune or a last name on a building somewhere.

What it does require is income that qualifies, a lender who understands how to structure it correctly, and a borrower who's willing to learn what the product actually does before writing it off.

This is where summer sales reps in Utah are sitting on something most people in their position never act on.

When your biggest earning season is right now... when the commissions are stacking and the momentum is real, the window to convert that into something permanent can be shorter than you think.

Most people spend the summer.
The ones who get ahead invest it.

A trust loan is a qualifying structure.

It's a way to use the strength of your current income to close on a home before your own peak season ends.

No W-2 requirement.
No waiting for a full year of returns.
No being told your income "doesn't count the same way."

It counts.

You just need a lender who knows exactly how to make it count.

If you've been assuming this wasn't an option for you, I'd ask you to sit with that for a second because that assumption might be the only thing standing between where you are right now and owning before fall.

06/04/2026

Where are my fellow stitchfix friends at?

06/03/2026

A $200K gift from Dad almost blew up this loan.

The money was fine.
The way it moved was the problem.

Family helping family is one of the most common ways first-time buyers actually cross the finish line, and I love seeing it. But the wrong move with that gift can sink your approval the week before closing. I have watched it happen to good people who did everything else right.

Here is what you and whoever is helping you need to lock in early 👇🏼

1️⃣ Get a formal gift letter
Signed by the giver, with the exact dollar amount, their relationship to you, and the line that matters most: this is a gift, not a loan, no repayment expected. No letter, no approval.

2️⃣ Protect the paper trail
Lenders verify the source, not just the number. That money moves from the giver to you through something traceable: a wire or a check. Not cash. Not Venmo. Not Zelle.

3️⃣ Move it early
Sixty days before closing is the sweet spot. We call it seasoning. Anything that lands in the final two months gets flagged and buried in extra documentation.

4️⃣ Call me before the money moves
This is the step almost everyone skips. I need to know the gift is coming, who it is from, and when, so I can route it clean from day one.

5️⃣ Know the tax piece
In 2026 the annual gift exclusion is $19,000 per person. A $200K gift sits above that, so the giver files IRS Form 709. They almost certainly owe nothing, because the lifetime exemption is $15 million. The gift just reports against that cap.

If both parents are gifting and you are married, each parent can give you $19,000 and your spouse $19,000. That is $76,000 before anyone touches the lifetime number.

What sinks deals:

Adding the giver to the title.
Taking cash or funds in pieces.
Shuffling money between accounts before closing. Skipping the lender conversation.

Played right, that gift carries you across the finish line. Played wrong, it stalls you out feet from it.

06/01/2026

Most buyers count themselves out of this community by accident.

They see 55 and over, decide it is a closed door, and never ask the one question that would have changed the answer. The buyer pool here is far wider than the label suggests, and the paths in are not the ones people expect.

Here is what actually works ⬇️

1️⃣ The younger buyer who purchases with a parent who meets the age requirement, so a 30-something gets in the door the rest of the market overlooked
2️⃣ The homes in the community that sit outside the age-restricted section entirely, open to buyers who do not fit the 55 and over rule at all
3️⃣ The parent and adult child done paying two rents, putting two names on one single-level home neither could swing alone
4️⃣ The single buyer who wants everything on one level and a yard that does not run their weekend, in a layout quietly built for exactly that
5️⃣ The commission earner or asset-rich buyer whose tax return tells a confusing story, who has the resources but braces for a no that does not have to come

Every one of those buyers assumed this place was off the table. Every one of them was closer than they thought.

What got them in was simple. Someone took the extra look until the right person and the right door lined up.

If you have already decided this community is not for you, that instinct is worth a second opinion before you believe it.

Helping first-timehomeowners feel confident and informed is SO important to me.I always aim to keep things clear, respon...
05/29/2026

Helping first-timehomeowners feel confident and informed is SO important to me.

I always aim to keep things clear, responsive, and organized so the process feels simple every step of the way. Truly grateful for your trust!

05/28/2026

You can tell a lot about a lender by what they do when there's no commission attached to it...

Most are loyal to the deal. I'm loyal to your growth and it shows up in the moments nobody's paying me for.

Here's what that actually looks like 👇🏼

If you're an agent, it's:

✅ Me learning hundreds of loan programs so there's an option for the buyer everyone else told no
✅ Me catching the income issue on day 2 instead of day 25, so your closing doesn't blow up a week out
✅ Me restructuring an offer so it actually competes – not just pre-approving and disappearing

If you're a builder partner, it's:

✅ Me strategizing how to get more feet through the door on your slow phases instead of waiting for buyers to show up
✅ Me building lender incentives that help you move the homes sitting too long, not just the easy ones
✅ Me running the numbers on a rate buydown so your model looks affordable to the buyer who almost walked

If you're a colleague, it's:

✅ Me walking you through a deal structure I'm not even on, just because you asked
✅ Me sharing the program I just figured out instead of guarding it like a secret
✅ Me hyping your win in the group chat louder than my own

And if you're a friend, it's:

✅ Me telling you to wait six months when that's the honest answer, knowing it costs me the deal
✅ Me connecting you to the right person when I'm not the right person
✅ Me showing up the exact same way whether there's a loan in it for me or not

None of that has a dollar sign on it.

That's the whole point. The commission is a byproduct of doing the relationship right, never the reason for it.

So if you've been working with people who go quiet the second their piece is done, and you forgot it could feel different.

05/26/2026

Most people think your mortgage payment is locked in the day you close.

It's not. 👇🏼

Your payment is built from moving parts and several of them can shift in your favor if you know what to ask for.

The hard part is, nobody tells you, because nobody benefits from you asking.

Here are 7 triggers that can actually lower what you pay every month:

1️⃣ Your home value went up. More equity can mean dropping mortgage insurance, sometimes hundreds off your monthly payment.

2️⃣ Your credit score climbed. A jump from "good" to "great" can requalify you for a better rate on a refinance.

3️⃣ Rates dropped since you closed. Even a small dip can be worth a conversation about refinancing the loan.

4️⃣ Your property taxes were over-assessed. You can appeal them and a successful appeal lowers your escrow.

5️⃣ Your insurance premium is too high. Shopping your homeowners policy can shrink the escrow portion of your payment.

6️⃣ You've paid down enough principal. Recasting your loan re-amortizes the balance and lowers the payment without a full refinance.

7️⃣ Your loan type no longer fits your life. Moving out of an FHA loan once you have equity can eliminate mortgage insurance entirely.

Here's why this matters:

Homeownership isn't a finish line. It's a position you keep managing, the same way you'd adjust mid-game when the score changes.

The buyers who save the most aren't the ones who got the perfect loan on day one. They're the ones who kept asking questions long after the keys were in their hand.

You're allowed to revisit this.
You're allowed to ask.

Have questions? Drop them to me in a DM, would love to hear from you.

05/21/2026

Congrats, it’s tip-off time. 🏀

The first 4 weeks of homeownership will teach you more about yourself than escrow ever did.

Most people prepare for closing day…
and forget there’s a whole new season waiting on the other side.

Here’s what actually shows up 👇🏼

1️⃣ The real payment hits different
Your principal and interest looked clean on paper. Then escrow adjustments, insurance true-ups, or supplemental taxes show up.

If you didn’t build margin before move-in, it feels like the floor shifted.

2️⃣ The house will test you
Even new builds have quirks.
Leaks. HVAC issues. Random fixes.

New homeowners panic because they treat every surprise like a setback instead of part of the process.

Set aside 1–2% of the purchase price as a home reserve.
Not for upgrades. For stability.

3️⃣ Utilities aren’t what they used to be
More square footage. Different climate. HOA dues.

Your monthly burn rate can change fast.

Ask for prior utility averages before closing so you’re working with real numbers not guesses.

4️⃣ Maintenance is the workout, not the highlight reel
A mortgage gets you in the door. Maintenance protects the asset.

Service the HVAC.
Watch the roof.
Stay ahead of plumbing issues.

The homeowners who win long term treat their house like an athlete treats their body: preventative care beats emergency repairs every time.

5️⃣ Your loan doesn’t stop at funding
This is where most people disappear.

But equity grows.
Rates shift.
PMI can drop.
Cash flow can improve.

Your mortgage should evolve with your life not stay frozen on signing day.

The homeowners who build real stability aren’t the ones who got the lowest rate.

They’re the ones who:

✅ Kept reserves intact
✅ Reviewed escrow + insurance yearly
✅ Watched the full financial picture
✅ Stayed close to opportunities as they came

Homeownership should build you up, not wear you down.

Structure is what separates stress from stability.

If you’re in that first 30-day window or about to be let’s make sure you’re set up for success beyond key day. DMs are open.

05/19/2026

It's called freedom 😎

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

,

Alerts

Be the first to know and let us send you an email when Alli Bills - Intercap Lending Inc. NMLS #190465 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Alli Bills - Intercap Lending Inc. NMLS #190465:

Shortcuts

Share

Category