Derek Smart | Luneta Home Loans S Jordan Gtwy, South Jordan

I've known Derek for many years nows. From the time when I first became a Real Estate Investor. His advise and knowledge on how to proceed during my recent rental refinance was invaluable. From loan application to loan closing, he let me know what he needed from me, to get the thing done. He would, Text, Email, or Phone me back within a short time to answer any questions I might have. He even phoned me after business hours with important information. Derek is competently professional, but more important than that, he cares. Which was apparent in the excellent service he gave me while obtaining the loan and that makes all the difference. Additionally, Derrick is very likable and personable and has always greeted me with a smile.

If you are looking for someone who loves what they do, is honest, extremely knowledgeable, detailed, listens to your concerns, and finds solutions. Derek Smart is your guy. I have worked with other loan officers and none of them compare to his level of professionalism and care for his client. As a bonus, he is also a real estate investor which adds to his knowledge. I can't say enough great things about Derek I was extremely impressed. He was easy to work with. Any question I had he knew the answer or would find it and get back to me. When asked he took the time to explain the numbers. Which I really appriciated. I would definitely work with him again and I recommend him to anyone. You won't regret it.

Derek Smart and Intercap Lending , Inc. are by far the best experience we've ever had with a loan officer and a lending institution. From start to finish they treated us with great respect. No games. No misleading promises. They were strictly honest and straight forward. Equally important they completed our re-finance in record time - 33 days - at a lower rate than the competition . We will definitely do business with them again. Keith & Kathy

Derek is great to work worth. He is personally vested in the best mortgage option and wants to ensure the borrower understands all aspects of the process. I highly recommend Derek for all mortgage needs.

Derek was great to work with! He helped me refinance my loan quickly and explained each step of the process very thoroughly.

Derek is friendly and easy to work with he helped me obtain my loan on my first home. He proactively communicated with us on the status of the process and made sure that we always knew exactly what was going on. He is knowledgeable and made sure that we got the best rates. He is truly looking out for his clients best interest.

Derek was my loan officer when I bought my first house a year ago. He took the time to explain everything to me so I knew what I was signing and why all the numbers broke down the way they did. He always let me know my options and he would give me his advice when I asked for it. I went back to Derek when I wanted to refinance this year and it was the easiest process. I'd work with him again in a second.

Derek and his team does an amazing job. Even through the covid and the challenges of distance. He processed a great loan in under 30 days, was promt and professional. I have got many loans done for personal and construction. I am impressed and will use Derek Smart and intercap again for my future homes and properties. Thank you again!! Mike Nielson

Derek worked super fast to get us to close. He knew my credit score based off the information I gave his and he was really close when the actual score came back. He was quick to get answers if he didn't know them. Professional and timely. 10/10 would recommend.

Derek was very knowledgeable and patient. I had tons of questions and he confidently walked me through all of them. I truly felt he was working for my best interests. I ended up with one of the lowest rates possible! I would recommend any day.