Dan Harding - Intercap Lending

Dan Harding - Intercap Lending

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Hi, I'm Dan Harding. I'm a licensed mortgage loan officer in Utah. NMLS# 695635

11/13/2025

50 year mortgage… good idea, bad idea?

08/01/2025

📉 Mortgage rates just dipped. Here’s why.

July’s jobs report came in way weaker than expected — and the bond market responded with a rally, pushing mortgage rates lower today. 👇

✅ Only 73,000 new jobs were added last month
📉 Unemployment ticked up to 4.2%
🔁 Previous job reports were revised down by 250K+

What does that mean for buyers?

➡️ Lower rates today
➡️ More inventory on the market
➡️ More sellers adjusting prices
➡️ More negotiating power for you

The Federal Reserve may even consider cutting rates in the coming months if this trend continues. Nothing’s guaranteed — but this shift could open up real opportunity for buyers.

If you’ve been waiting for a better time to re-engage, this might be it. DM me and I’ll show you how today’s rates impact your buying power.

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365 S Garden Grove Lane, Suite 130
Pleasant Grove, UT
84062