Cliff Taylor - Intercap Lending

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.

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.

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.

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 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 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 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 place feel like home.