Elden Maynard - Intercap Lending
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My name is Elden Maynard, and I am a licensed Mortgage Loan Officer with Intercap Lending.
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.
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.
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.
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.
06/19/2026
Today we honor Juneteenth, a celebration of freedom, resilience, and the ongoing pursuit of equality.
At Intercap Lending, we reflect on the importance of opportunity, access, and community for every individual and family. Progress begins when barriers are removed, and everyone has a place to call home.
The fastest closings start before you ever find the house.Get your documents together early and the rest of the process gets a lot smoother. Watch the video to see exactly what you need.
06/15/2026
These two terms sound similar, but they are very different when it comes to buying a home.
Pre Qualification
A quick estimate based on self reported information. Helpful as a starting point, but not verified.
Pre Approval
A deeper review of income, credit, and assets. This is what sellers and agents take seriously.
In a competitive market, pre approval is what gives buyers confidence and credibility when making an offer.
If you are serious about buying, this is one of the most important steps to take early.
06/12/2026
If you are thinking about updating your home this summer, the trends in 2026 are less about major renovations and more about smart, intentional upgrades.
Here are some of the biggest ones I am seeing:
Outdoor living spaces
Backyards that feel like an extension of the home with seating, shade, and entertaining areas
Energy efficient upgrades
Windows, doors, and systems that lower long term costs
Kitchen touches that add function
Small upgrades like hardware, lighting, and features that improve daily use
Spa inspired bathrooms
Simple updates that create a more relaxing, elevated feel
Defined spaces
More separation between work, living, and relaxation areas instead of fully open layouts
Buyers today are looking for comfort, function, and lifestyle, not just finishes.
Source: Zillow 2026 Home Trends Report and The Spruce 2026 Renovation Trends
06/10/2026
Mid year is the perfect time to pause and take a look at your financial picture.
I like to walk clients through a simple review:
Current mortgage payment and rate
Property taxes and insurance
Debt and monthly obligations
Savings and equity position
From there, we can see if any adjustments make sense.
Maybe it is a refinance. Maybe a HELOC. Maybe everything is already in a great place.
At the very least, you walk away knowing exactly where you stand and that your current setup still aligns with your goals.
06/08/2026
Renting vs owning is one of those conversations that is rarely as simple as people want it to be.
I have clients on both sides of this decision and the right answer is always tied to their goals.
Renting offers flexibility and lower upfront commitment.
Owning offers a different set of advantages:
More control over your living situation
The ability to build equity over time
Exposure to long term appreciation
What I focus on is helping clients understand the tradeoffs and how each path aligns with their financial strategy.
In many cases, it is less about what is right in general and more about what is right for that specific moment.
Homeownership has historically been a key driver of long term wealth for many households. Source: FHFA House Price Index 2025.
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365 South Garden Grove Lane, Suite 130
Pleasant Grove, UT
86062