Carolina Paz YOUR Real Estate Specialist

Carolina Paz YOUR Real Estate Specialist Carolina Paz, Intercap loan officer, providing home financing & refinancing for UT residents. I’ve always loved working with people!

I’m Carolina Paz, I’ve been married to my best friend Ivan for 21 years and together we have 3 wonderful boys, Fabrizio 17 and twins Fabian and Flavio 10 years old. I have been in the real estate business for 21 years. A few years ago I decided to start my career as a loan officer. Being in the lending business has given me the opportunity to improve as a person by serving others. As a loan office

r I have been able to meet wonderful families that want to improve their lives through homeownership. I have been blessed to serve my Hispanic community in the process of purchasing and refinancing in their own language. Helping them understand the process and helping them feel comfortable is my #1 goal.

Not every drop in rates means it is time to refinance.What I look at is your strike rate.Your strike rate is the interes...
06/05/2026

Not every drop in rates means it is time to refinance.

What I look at is your strike rate.

Your strike rate is the interest rate where refinancing actually makes financial sense for you.

Historically, many people used a 1% difference as a guideline. For example, if your current rate is 7.5%, a strike rate might be around 6.5%.

In today’s market, that gap is often smaller. Sometimes a 0.5% to 0.75% difference can be enough depending on the loan structure and goals.

The key is not just the rate. It is the overall impact on your payment, costs, and timeline.

Uno de los retos más comunes es coordinar la venta de tu casa actual con la compra de la siguiente.Los préstamos de tran...
06/04/2026

Uno de los retos más comunes es coordinar la venta de tu casa actual con la compra de la siguiente.

Los préstamos de transición están diseñados para resolver eso.

Te permiten:
Comprar tu próxima casa antes de vender la actual
Vender o rentar tu casa actual dentro de un tiempo establecido
Mudarte sin sentir presión ni prisa

Esto da flexibilidad y reduce el estrés de tratar de coordinar dos operaciones importantes al mismo tiempo.

Para muchos compradores, convierte una mudanza complicada en un proceso mucho más manejable.

Refinancing can be a great move, but only if it makes sense for your timeline.The key concept is break even.Break even i...
06/03/2026

Refinancing can be a great move, but only if it makes sense for your timeline.

The key concept is break even.

Break even is the point where your monthly savings outweigh the cost of the refinance.

Here is how it works:

Take your total closing costs
Divide by your monthly savings
That gives you the number of months to break even

If you plan to stay in the home longer than that timeframe, the refinance may make sense.

If not, it could actually cost you money.

Understanding this number is one of the most important parts of making a smart refinance decision.

Private Mortgage Insurance does not have to last forever.Many buyers are surprised to learn there are ways to remove PMI...
06/01/2026

Private Mortgage Insurance does not have to last forever.

Many buyers are surprised to learn there are ways to remove PMI depending on their situation.

You may be able to remove it by:

Reaching 20% equity in your home
Seeing an increase in home value
Refinancing into a new loan
Requesting removal based on your current balance

A quick review can show if you are closer than you think.

According to Freddie Mac, rising home values have helped many homeowners reach equity positions faster than expected.

Source: Freddie Mac Housing Market Report 2025.

I see a lot of buyers delay their plans because of things they think are true about credit.Some of the most common myths...
05/29/2026

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.

La consolidación de deudas es una herramienta que puede ser muy útil cuando se usa de la manera correcta.Cuándo ayudaMov...
05/28/2026

La consolidación de deudas es una herramienta que puede ser muy útil cuando se usa de la manera correcta.

Cuándo ayuda
Mover deudas con intereses altos a un préstamo con intereses más bajos puede reducir tu pago mensual y ayudarte a ahorrar en intereses con el tiempo.

Cuándo no conviene
Si cambias la deuda de lugar, pero no cambian tus hábitos de gasto, puedes terminar con más deuda en lugar de menos.

La clave es acompañar la estrategia con un plan.

En algunos casos, usar la plusvalía de tu casa mediante un refinanciamiento o una línea de crédito (HELOC) puede ser parte de la solución. En otros, puede no ser la mejor opción.

El objetivo no es solo mover la deuda, sino mejorar tu situación financiera en general.

Not every loan should be approached the same way.What I focus on is personalized service that actually fits the client, ...
05/27/2026

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.

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.

The number one mistake I see buyers make is starting their home search before they understand their numbers.It is easy t...
05/22/2026

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.

El proceso del préstamo no tiene que sentirse complicado ni abrumador.En lo que me enfoco es en hacerlo claro, personali...
05/21/2026

El proceso del préstamo no tiene que sentirse complicado ni abrumador.

En lo que me enfoco es en hacerlo claro, personalizado y alineado con tus metas desde el inicio.

Eso significa:

Expectativas claras en cada paso
Una estrategia basada en tu situación financiera
Comunicación constante para que siempre sepas qué sigue

No hay dos compradores iguales, así que el proceso tampoco debería sentirse igual para todos.

Cuando el proceso se hace bien, los clientes se sienten seguros, informados y en control de principio a fin.

Address

2750 E Cottonwood Pkwy Suite 660
Cottonwood Heights, UT
84121

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Website

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