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.

09/03/2026

¿Sabías que existen opciones para comprar casa con poco o ningún pago inicial?

Descubre cómo acercarte a tu nuevo hogar sin esperar años para ahorrar.

Buying a home comes with a lot of questions, especially when it’s your first time.You should never feel like you’re expe...
09/02/2026

Buying a home comes with a lot of questions, especially when it’s your first time.

You should never feel like you’re expected to already know how everything works.

I’ll take the time to explain the process, answer your questions, and make sure you understand your options. And for my Spanish-speaking clients, I’m proud to offer that same guidance in the language that feels most comfortable. ❤️

My goal isn’t simply to help you get to closing. It’s to build the kind of relationship where you know you can call me again when you, a friend, or someone in your family needs help. 🏡

09/02/2026

We can't wait to celebrate with you!

Join us for an evening of culture, community, incredible food, music, family fun, and our new Hispanic Heritage Marketplace.

📅Thursday, September 10
⌚6:00 – 9:00 PM
📍America First Field

This is a free event!

RSVP link 👇 below in comments.

08/27/2026

¿Quieres entender cómo funciona tu puntaje de crédito al comprar una casa?

Mira este video y aprende lo que necesitas saber para prepararte.

There’s a lot more to me than mortgages.I was born and raised in Chile, and family and community have always been a huge...
08/25/2026

There’s a lot more to me than mortgages.

I was born and raised in Chile, and family and community have always been a huge part of who I am. I’m a wife to my best friend, Ivan, proud mom of four boys, longtime baseball mom, traveler, and someone who genuinely loves connecting with people.

My own journey is also a big part of why serving the Hispanic community means so much to me. Being able to help families understand their options in the language they’re most comfortable with is something I’m incredibly proud of.

Whether I’m cheering from the sidelines, spending time with family, traveling somewhere new, or helping someone work toward homeownership, people and relationships are usually at the center of it. ❤️

That’s a little more about the person behind the mortgage title. 🏡

If you’re new here, hi, I’m Carolina! 👋My career in real estate began 27 years ago, and a few years ago I decided to exp...
08/20/2026

If you’re new here, hi, I’m Carolina! 👋

My career in real estate began 27 years ago, and a few years ago I decided to expand that experience into mortgage lending.

It felt like a natural next chapter. I already understood how personal buying a home can be, and now I get to help families navigate the financing side too.

I was born and raised in Chile and came to the U.S. with my family more than 30 years ago. Being able to serve clients in both English and Spanish, especially within our Hispanic community, is something I’m incredibly proud of.

Outside of work, I’m a wife, proud mom of four boys, baseball mom, traveler, book lover, fitness enthusiast, and Padres fan. ⚾

For me, it all comes back to people, relationships, and earning the kind of trust that lasts well beyond closing. ❤️

08/20/2026

¿Sabías que puedes reducir tu pago mensual en el primer año de tu hipoteca?

Pregúntame sobre las opciones de buydown temporal y cómo pueden ayudarte a comprar con más comodidad.

The Utah Veteran First-Time Homebuyer $2,500 Grant is available to help eligible Veterans make homeownership more attain...
08/14/2026

The Utah Veteran First-Time Homebuyer $2,500 Grant is available to help eligible Veterans make homeownership more attainable. 🏠🔑

Qualified Veterans may be eligible for up to $3,000 in homebuying assistance with Intercap Lending.

Thinking about buying your first home in Utah?

📲 Reach out to learn how you may qualify for up to $3,000 in homebuying assistance.

Program eligibility and requirements apply.

Comprar casa se siente mucho más fácil cuando entiendes los pasos desde el inicio. A mí me gusta explicarles el proceso ...
08/13/2026

Comprar casa se siente mucho más fácil cuando entiendes los pasos desde el inicio. A mí me gusta explicarles el proceso a mis clientes antes de que empiecen a buscar casa, para que no haya sorpresas.
Así es como normalmente funciona el proceso del préstamo:

El comprador completa la solicitud del préstamo
El vendedor acepta la oferta
El préstamo entra a revisión
El préstamo es aprobado
El préstamo queda listo para cerrar (casi llegamos)
El préstamo se financia y recibes las llaves

Según la Asociación Nacional de Realtors, el 88% de los compradores usaron financiamiento para comprar su casa en 2025.

Fuente: NAR 2025 Generational Trends Report
Si estás pensando en comprar casa, con gusto puedo explicarte cada uno de estos pasos.

Muchos compradores piensan que los intereses del préstamo dependen solo del mercado. En realidad, hay varios factores re...
08/06/2026

Muchos compradores piensan que los intereses del préstamo dependen solo del mercado. En realidad, hay varios factores relacionados contigo y con el tipo de préstamo que pueden hacer una gran diferencia.
Tres de los más importantes son:

Puntaje de crédito
Un puntaje más alto muestra menor riesgo para el banco y puede ayudarte a obtener mejores intereses.

Enganche
Dar un enganche más alto reduce el riesgo del prestamista y puede mejorar las condiciones del préstamo.

Tiempo del préstamo
Préstamos a menos tiempo, como uno a 15 años, normalmente tienen intereses más bajos que los de 30 años.

Entender estos factores desde el inicio puede ayudarte a crear una mejor estrategia antes de empezar a buscar casa.

Fuente: ICE Mortgage Monitor Report 2025

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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