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

One of the biggest challenges I see is timing the sale of a current home with the purchase of the next one.Transition lo...
05/27/2026

One of the biggest challenges I see is timing the sale of a current home with the purchase of the next one.

Transition loans are designed to solve that.

They allow you to:

Buy your next home before selling
Sell or rent your current home within a set timeframe
Move without feeling rushed or pressured

This creates flexibility and removes the stress of trying to line up two major transactions at the same time.

For many buyers, it turns a complicated move into a much more manageable process.

Today we remember and honor the brave men and women who gave everything for our freedom.Thank you for your courage and s...
05/25/2026

Today we remember and honor the brave men and women who gave everything for our freedom.

Thank you for your courage and sacrifice.

A renovation loan allows you to combine the purchase of a home and the cost of improvements into one loan.That means:One...
05/22/2026

A renovation loan allows you to combine the purchase of a home and the cost of improvements into one loan.

That means:

One loan instead of separate financing
Ability to update or customize a home right away
Potential to increase value through renovations

This can be a great option for buyers who find a home with potential but not everything on their wish list.

Instead of passing on the property, you can turn it into what you want from the start.

I get a lot of the same questions from buyers, especially early in the process. Here are a few of the big ones:Do I need...
05/20/2026

I get a lot of the same questions from buyers, especially early in the process. Here are a few of the big ones:

Do I need 20% down?
No. Many buyers put down far less.

How much are closing costs?
Typically 2% to 5% of the purchase price.

Why does pre approval matter?
It shows sellers you are serious and gives you a clear budget.

What are points vs credits?
Points can lower your rate. Credits can reduce upfront costs.

Getting clear answers early helps buyers move faster and make stronger decisions.

According to the National Association of Realtors, 88% of buyers finance their purchase, which makes understanding these basics even more important.

Source: NAR 2025 Home Buyers and Sellers Report.

The number one mistake I see buyers make is starting their home search before they understand their numbers.It is easy t...
05/18/2026

The number one mistake I see buyers make is starting their home search before they understand their numbers.

It is easy to fall in love with a home online. It is much harder when the payment does not match what you expected.

What I always recommend first:

Get clear on your payment
Understand your loan options
Get fully pre approved

When buyers start with a strategy instead of a search, everything changes. Decisions are easier, offers are stronger, and there is a lot less stress along the way.

I see a lot of buyers delay their plans because of things they think are true about credit.Some of the most common myths...
05/15/2026

I see a lot of buyers delay their plans because of things they think are true about credit.

Some of the most common myths:

You need perfect credit to buy
Checking your credit will hurt your score
You cannot qualify if you have some debt

The reality is there are loan options for a wide range of credit profiles, and most of these concerns are manageable with the right plan.

The hardest part is not credit. It is misinformation.

Understanding where you actually stand can open up more opportunities than you expect.

According to Experian, many approved borrowers fall outside of top tier credit ranges.

Source: Experian Mortgage Credit Trends Report 2025.

Not every loan should be approached the same way.What I focus on is personalized service that actually fits the client, ...
05/13/2026

Not every loan should be approached the same way.

What I focus on is personalized service that actually fits the client, not a one size approach.

That means:

Understanding your goals first
Building a strategy around your financial picture
Communicating clearly at every step

The difference is not just in the loan itself. It is in how the process feels.

When it is done right, you feel informed, confident, and supported from start to finish.

This is still one of the biggest myths I hear from buyers.You do not need 20% down to purchase a home.There are options ...
05/11/2026

This is still one of the biggest myths I hear from buyers.

You do not need 20% down to purchase a home.

There are options that allow for:

0% down for qualified buyers
Low down payment options around 3% to 5%
Flexible structures based on your goals

The right approach depends on your financial picture and what you are trying to accomplish, not a blanket rule.

According to the National Association of Realtors, the median down payment for first time buyers was just 8% in 2025. Source: NAR 2025 Home Buyers and Sellers Report.

If you have been waiting to hit 20%, it may be worth taking a look at what is possible now.

Happy Mother’s Day to the moms who fill every home with love, strength, and care.Today we celebrate all the ways you mak...
05/10/2026

Happy Mother’s Day to the moms who fill every home with love, strength, and care.

Today we celebrate all the ways you make life brighter for the people around you.

From all of us at Intercap Lending, thank you for the love that turns houses into homes.

Commercial lending looks different than residential, and that is exactly where strategy matters.What I focus on:Loan siz...
05/08/2026

Commercial lending looks different than residential, and that is exactly where strategy matters.

What I focus on:

Loan sizes that fit your project
No maximum loan limits based on standard guidelines
Flexible qualifications based on the strength of the deal
Low down payment options in certain scenarios
Using assets wisely to structure the loan
Looking beyond just the credit score

Every deal is different. Whether it is a retail space, office, or investment property, the goal is to structure financing around the vision, not force it into a box.

Understanding your options early can make a big difference in how you move forward.

Debt consolidation is one of those tools that can be very effective when used the right way.When it helpsMoving high int...
05/06/2026

Debt consolidation is one of those tools that can be very effective when used the right way.

When it helps
Moving high interest debt into a lower interest loan can reduce monthly payments and save on interest over time.

When it hurts
If the balance is moved but spending habits stay the same, it can create more debt instead of solving it.

The key is pairing the strategy with a plan.

In some cases, using home equity through a refinance or HELOC can be part of that solution. In others, it may not be the right move.

The goal is not just to move debt. It is to improve the overall financial position.

Address

9017 N Country Homes Boulevard
Spokane, WA
99218

Telephone

+15094687558

Website

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