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Alyssa Davis Mortgage Advisor

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San Diego, CA
Alyssa Davis Mortgage Advisor

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Alyssa Davis Escondido-based Senior Mortgage Advisor at Intercap Lending, serving CA homeowners.

10/31/2026

Happy Halloween from Intercap Lending!

We hope your day is full of fun, laughter, and a few sweet surprises.

10/29/2026

What if part of the money you’re already saving could also help you qualify for a home?

That’s why I like talking about options like SaveSmart. Home financing isn’t always as simple as income + credit score = answer. Sometimes there are pieces of your financial picture that deserve a closer look.

I’m a big believer in understanding the why behind a loan strategy before deciding whether it makes sense for you. I’ll ask the questions, run through the options, and explain what the numbers actually mean, because “this is the loan you qualify for” isn’t enough for me.

Especially here in North County, where every little bit of buying power can matter.

Curious if SaveSmart could fit into your homebuying plan? Let’s run the numbers and find out.

10/23/2026

There’s a little more to me than loan applications and interest rates. 😊

I’m a cyclist, cat mom, trivia enthusiast, and someone who’s pretty happy with sand between her toes and a volleyball in the air.

I take my work seriously, but I like having a little fun along the way. You can ask me a mortgage question without getting a sales pitch, and you never need to apologize for asking me to explain something again.

My first eight years in mortgage were spent behind the scenes, learning the details and how to work through the tricky stuff. That’s still one of my favorite parts of the job, especially when it helps a first-time buyer feel more comfortable taking that next step.

Swipe for a few things we might have in common. And if you’re putting together a trivia team, keep me in mind! 😉

10/16/2026

Hi, I’m Alyssa. If you’re new here, start here.

I’ve spent over 20 years in the mortgage industry, and if there’s one thing you should know about me, it’s this: I need to know the why.

I want to know why one loan makes more sense than another. Why a guideline says what it says. Why something can’t be done, and whether “no” actually means no or simply means we haven’t found the right solution yet.

That curiosity (and more than a little stubbornness) has served my clients pretty well over the years.

I’m a Southern California native, former military spouse, mother of two, cyclist, volleyball player, cat mom, trivia-goer, and proud Gen Xer. I was born, raised, and currently live in Vista. While I’m honored by every client who puts their trust in me, I especially love working with first-time homebuyers and the hustling working-mom Realtors throughout Vista, Carlsbad, Oceanside and the surrounding North County communities.

After two decades in this business, I know mortgages aren’t just about getting someone approved. They’re about understanding each client is unique, seeing the entire picture, asking better questions, and finding the financing strategy that actually makes sense for them.

Conventional, VA, Jumbo, FHA; straightforward file or complicated puzzle, I want to understand every piece before we decide on the answer.

And while California is home, I’m also licensed to help buyers in Arizona, Nevada and Texas.

So if you want a loan officer who will ask questions, explain the why, dig into the details and not accept “no” without understanding exactly why…

You’re my kind of person.

Let’s figure it out together.

10/08/2026

North County buyers ask me these questions all the time.

“I’ll never save 20%.”
“My credit probably isn’t good enough.”
“I make good money, so why does buying still feel impossible?”
“What if rates drop right after I buy?”
“I don’t want to end up house poor.”

These aren’t bad questions. They’re actually the questions you should be asking.

Buying in North County comes with its own set of numbers, and what works for one buyer may make absolutely no sense for another.

That’s why I’d rather have the conversation early. Let’s look at your income, debts, savings, monthly comfort zone and goals and figure out what buying could realistically look like for you.

You don’t have to be ready to make an offer to start asking questions.

Thinking about buying in North County? Come talk to me. We’ll figure out the “what ifs” before they become the “I wish I would haves.”

10/02/2026

Buying a condo? The financing deserves a closer look.

Condo lending is changing, and this is exactly why I don’t like looking at a loan in a vacuum.

With a condo, qualifying the buyer is only part of the equation. The property and the project can matter too. That means something that looks perfectly straightforward at first can need a little more digging once we get into the details.

And you know me, I’d rather ask the extra questions before you fall in love with the place than find out there’s an issue when we’re already halfway to closing.

If a condo is on your radar, reach out early. Let’s look at the whole picture before you make your move.

09/25/2026

“No” has never been my favorite answer.

Not because I think every loan can or should work, but because I want to understand why it doesn’t.

Is it really a no? Is there another loan program? A different way to structure it? Something we can work toward? Something everyone else overlooked?

I’m the lender who is going to dig a little deeper. I’m going to ask why. And then I’m going to ask, “Okay… what else could work?”

Been told no on a home loan? Let me take a second look.

09/18/2026

Let’s talk Flex Loans, because not everyone’s finances fit perfectly into a little mortgage box.

Maybe you’re self-employed. Maybe your income looks different on paper. Maybe you’ve already talked to someone who told you “no” and sent you on your way.

That’s usually where I start asking questions.

Why is it a no? What’s actually keeping you from qualifying? Is there another option we haven’t looked at?

I’ve been doing this for almost 20 years, and one thing about me, I’m going to dig into the details before I tell you something can’t be done.

Flex Loans aren’t right for everyone, but for the right borrower, they can give us another avenue to explore.

Been told you don’t qualify? Let me take a look. There may be another way.

09/11/2026

Today we remember and honor the lives lost on September 11, 2001.

We stand with the families, first responders, and communities whose strength and unity remind us what it means to come together.

May we always carry forward the spirit of compassion, resilience, and hope.

09/07/2026

Happy Labor Day from all of us at Intercap Lending.

Today we celebrate the hard work, dedication, and determination that keep our communities strong.

Whether you’re spending the day with family, relaxing, or recharging for what’s ahead, we hope you take time to appreciate how far you’ve come.

Address

8954 Rio San Diego Drive Suite 102
San Diego, CA
92108

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://www.intercaplending.com/loan-officer/alyssa-davis/

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