Cliff Taylor - Intercap Lending

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Spokane, WA
Cliff Taylor - Intercap Lending

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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 business 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

10/29/2026

unique property deserves more than a one-line explanation.

With UAD 3.6 on the way, appraisals are moving toward a more detailed and consistent way of documenting a home’s features and condition.

For agents, this makes the property story even more important. An upgrade list, improvement dates, permits, ADU details, unique features, and helpful site or neighborhood context can give the appraiser a more complete picture of the home.

This isn’t about trying to influence value. It’s about making sure important details don’t get lost in the process.

Swipe through for a quick look at what’s changing and what you can start gathering before the appraisal.

Have a unique listing coming up? Bring me in early, and we can talk through what may be helpful to have ready. 🏡

10/22/2026

A home can check every box and still not be the right fit if the numbers leave you feeling stretched.

Before getting too attached to the kitchen, backyard, or garage, it helps to know what feels comfortable for your everyday life.

The goal isn’t to chase the highest number. It’s to find a home you can enjoy after moving day, too. 🏡

10/15/2026

What could $2,450 a month look like in Spokane? You might be surprised by the possibilities.

Every home search looks a little different, and finding the right fit is about more than the house itself. It’s about your goals, your comfort level, and what feels right for this season of life.

If you’re curious, I’m always happy to help you explore what’s out there. No pressure, just a conversation when you’re ready. 🏡

10/08/2026

Browsing homes can be exciting, but deciding whether you’re ready to buy can feel like a much bigger step.

You don’t have to figure everything out at once. Sometimes it starts with a simple conversation about your goals, your options, and what a comfortable monthly payment might look like.

There’s no pressure and no perfect timeline. When buying a home feels right for you, I’m happy to help you understand the process and take the next step with confidence. 🏡

09/24/2026

Local lending means knowing more than just the numbers.

It’s understanding the neighborhoods, the market, the property taxes, and yes — where to grab a great lunch along the way.

When you work with a local lender, you’re working with someone who knows the area you’re buying in and can help you navigate the details that come with it.

That’s what local lending looks like.

09/21/2026

Offer night doesn’t always happen between 9 and 5.

When your buyers find the right home, they need a lending partner who’s ready to move when they are. Quick answers, clear communication, and a solid pre-approval can make all the difference when it’s time to write.

I want to be the loan officer you call before offer night, so when your buyers are ready to make their move, we’re already one step ahead.

Realtors, let’s work together and help your buyers compete with confidence.

09/17/2026

Mortgage advice isn’t one-size-fits-all, especially in markets like Spokane and Seattle.

Rates, down payments, mortgage insurance, purchase price… there are a lot of “rules” buyers hear that aren’t necessarily true for every situation.

The right strategy comes down to your finances, your goals, and how long you plan to call that house home.

Swipe through for 5 mortgage myths worth rethinking before you make your next move.

Thinking about buying in Spokane or Seattle? Let’s talk through the numbers and find the strategy that makes sense for you.

09/11/2026

When Derek and Janna first came to me, they thought homeownership was unattainable. Their income was unique, so they were unsure of how everything would work.

A year later, they came back ready to try again. I walked them through every step, answered their questions, and helped them feel comfortable throughout the process.

Home financing is not always one-size-fits-all. Sometimes, you just need someone who understands your full financial picture and can help you find the right path forward. 🏡

If you are unsure whether homeownership is possible for you, let’s talk through it together.

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?

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.

Address

9017 N Country Homes Boulevard
Spokane, WA
99218

Telephone

+15094687558

Website

https://www.intercaplending.com/loan-officer/cliff-taylor/

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