Cliff Taylor - Intercap Lending

Cliff Taylor - Intercap Lending EQUAL HOUSING LENDER I have over 25 years of experience originating loans and managing a team with close to 20 years of it with Penrith Home Loans.

I pride myself in communication and understanding the needs of my clients. I work with a full range of products including Conventional, FHA, VA, USDA, Portfolio and Down Payment Assistance programs. Whether you are purchasing your first home or you are seasoned veteran, I can guide you through the many options of buying or refinancing a principal residence, second home or investment property. My b

usiness and reputation have been built on referrals from others and trust that you will feel the same way once you’ve experience my service to your mortgage needs. Cliff Taylor | NMLS ID # 770665
Producing Branch Manager
9017 N Country Homes Blvd | Spokane, WA 99218
Cell 509.818.4362

There’s just something about the Pacific Northwest.Seattle gives you city life, incredible food, the water, the mountain...
09/03/2026

There’s just something about the Pacific Northwest.

Seattle gives you city life, incredible food, the water, the mountains, and neighborhoods that can feel completely different just a few miles apart.

I may be a little biased, but when it comes to putting down roots and raising a family, this part of the country is pretty hard to beat.

And if buying a home in the Seattle area is part of your plan, I’m always happy to help you figure out what that could look like.

What’s your favorite thing about living in the PNW?

The mortgage industry is changing, and knowing what’s coming matters.The move from UAD 2.6 to UAD 3.6 is bringing major ...
08/27/2026

The mortgage industry is changing, and knowing what’s coming matters.

The move from UAD 2.6 to UAD 3.6 is bringing major updates to how residential appraisals are reported, with more detailed property data and a modernized, standardized format.

You don’t need to memorize the new rules. You need a lending partner who understands them.

With 35+ years in mortgage lending, I’ve seen plenty of changes in this industry. My job is to stay ahead of them so my clients and real estate partners don’t have to.

Changes are coming. Be prepared before they hit your transaction.

Buying, selling, or working with buyers in Spokane or Seattle? Send me a message and let’s talk about what these appraisal changes could mean for your next deal.

You might know me as a lender, but that’s only one part of the story.I’m a husband, a grandpa, a dog dad, a biker, a kay...
08/24/2026

You might know me as a lender, but that’s only one part of the story.

I’m a husband, a grandpa, a dog dad, a biker, a kayaker, a golfer, an explorer, a sports fan, and someone who will happily trade the office for a day near the water whenever I get the chance.

And all of those parts of my life shape the way I approach lending.

I understand that buying a home isn’t just a transaction. It’s where families grow, where dogs take over the backyard, where grandkids come to visit, and where you build a life that gives you the freedom to enjoy everything outside of work, too.

So yes, I’m your loan officer. But I’m also a real person who understands there’s a whole life behind every loan application.

And that’s exactly how I’ll treat yours.

If you’re new here, start here.I’m Cliff Taylor, and I’ve spent more than 35 years helping people navigate the mortgage ...
08/20/2026

If you’re new here, start here.

I’m Cliff Taylor, and I’ve spent more than 35 years helping people navigate the mortgage process here in the Pacific Northwest.

My career actually started on the other side of the transaction. After relocating to the PNW with my wife to start our family, I spent a year as a Realtor before making the move into mortgage lending.

I spent my first seven years as a mortgage broker before transitioning into mortgage banking. Since 1997, my focus has been working directly within real estate offices, partnering closely with agents and their buyers to make the financing side of the homebuying process as smooth and straightforward as possible.

That background has given me a unique perspective: I understand what matters to the buyer, what matters to the agent, and what it takes to keep a transaction moving.

After 35+ years, the industry has changed quite a bit, but the way I approach my business hasn’t, be available, communicate clearly, know your craft, and take care of the people who trust you with one of the biggest financial decisions they’ll make.

If you’re buying a home, exploring your options, or you’re a real estate professional looking for an experienced lending partner in the Spokane and greater PNW market, you’re in the right place.

Welcome, I’m glad you’re here.

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

9017 N Country Homes Boulevard
Spokane, WA
99218

Telephone

+15094687558

Website

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