Utah

Mikelle Kap

Loan Officer

NMLS #1943439
(801) 695-2867
Mikelle@LT.mortgage

Mikelle Kap - Helping You Home - With Heart and Expertise

Mikelle Kap is a passionate mortgage lender known for her calm, client-focused approach and problem-solving mindset. With over 16 years of team experience behind her, Mikelle specializes in a wide range of loan products—from Conventional and FHA to DSCR and manufactured home financing. She’s built a reputation in St. George as the go-to for saving tough deals and guiding buyers through the lending process with clarity, transparency, and top-tier communication. When she’s not helping clients into homes, you’ll find her trail running, canyoneering, or enjoying the outdoors with loved ones.

My Services

Personal Loan Advisor

I am happy to help you on your journey!

Low, Competitive Rates

I will compare from several sources to get you the lowest rate.

Top Service

I will help you choose the best loan for you.

I had the pleasure of working with Mikelle and her team on purchasing a home. They worked quickly and efficiently. I was questioning if I’d be able to get a home in the Saint George area with how the market is. And they made it happen! They truly care for their clients and are awesome to work with!


– Jeremy Warwick

Mikelle and her team were so amazing and made the really stressful home buying experience so smooth! Mikelle is so quick to respond and handle any hiccups that come up! We loved loved her!


– Morgan Leota

As a real estate professional for 20+ years, I’ve had a chance to work with a lot of different people and companies in the RE biz – realtors, lenders, title cos, appraisers, etc. Rhett Weaver and Mikelle Kap and the whole IntroLend team are simply the best in the industry. They communicated well, disclosed pertinent info along the way and met their deadlines. I’m grateful to them and to their team for delivering as promised.


– Dan Dixon

It was a hassle free Super simple process and we were treated like gold our paperwork was ready before anybody was we appreciate everything they did for our family. Especially when the first house fell threw.Mikelle And the team provided the gold treatment to our whole family and processed another loan for our forever home. Five stars hands-down I highly recommend anyone and everyone to go to Intro Lend


– oscar perez

Mikelle is a wonderful person and so helpful! Obviously purchasing a home can be stressful. The professionalism here is unparalleled!


– Rylan Pinarelli

We loved working with Rhett, Mikelle and the IntroLend team. Everything went smoothly, the team worked quickly and efficiently to get all the necessary paperwork, and they made sure we closed on time. Super glad we went to them for our refi! Highly recommend!


– Melissa Brewer

The introlend team was great to work with. The process to gather our personal information was Seamless. The experience I had refi’ing my home was a great success.


– Thomas Brewer

Working with Mikelle was a great experience. She was very professional and knowledgeable. She answered all the questions that we had in a timely manner and made sure we had complete visibility during the whole refinance process. 10 out of 10! Would highly recommend.


– Chandler Anderson

Mikelle is the best in the business! She is so helpful with any questions and gets you the best deals! She does not disappoint!


– Kara Hamblin

Mikelle is an absolute joy to work with. She executes every aspect of her job. The entire process with her was so smooth. She knows exactly what she’s doing and is so knowledgeable. We had to get creative with our financing and loan process and she knew just what to do and kept us updated throughout the whole process. I highly recommend working with Mikelle!!! 


– Shae Memmott

We worked with Mikelle on the purchase of our new home. She was awesome to work with, incredibly responsive and was more than happy to walk us through any questions we had. The process went so smoothly thanks to her!


– Megan Hoth

Rhett, Mikelle and Amie are the best in the business. I have used them multiple times for purchases and refi’s. They are timely, knowledgeable, honest and just flat out easy to work with. Thank you for another seamless transaction last week


– KOJI Schryver

I enjoyed working with Rhett and Kell! Both of them are very good at putting together a plan that makes sense in financing your home. Very responsive, knowledgeable, smart, and go above to ensure it goes very smooth! I would highly recommend them!


– Tad Sargent

We worked with Mikelle and she was AMAZING!! Was there to answer any and all the questions we had day and night. She worked hard to get us the best rates and just made buying a house so much less stressful! Could not have done it without her! 10/10 recommend


– Kennedy LeBaron

We’ve worked with Mikelle on two home purchases and both times have been an amazing experience. She is quick to respond to any questions and keeps us updated throughout the entire process.


– Dani Eldredge

I had the absolute pleasure of working with Mikelle during my loan process, and I can’t say enough great things about the experience. From start to finish, she was amazing to work with. I felt relaxed and confident throughout the entire process. She was patient with all my questions I asked her. She was also constantly shopping to find the best rate for me. I felt that she genuinely cared about me and treated me like family. 10/10 highly recommend going through Mikelle.


– Yurim Heo

So glad I ended up going with Mikelle with LifeTime. All this stuff can be so stressful and confusing but somehow she made it seem easy and even fun at times. Couldn’t be happier. Thanks so much!


– Joseph Jensen

Mikelle was friendly, professional and helpful in navigating us through the home loan process. She was instrumental In helping us and our agent, secure the purchase. We highly recommend her.


– Richard Espinoza

We had a wonderful experience working with Mikelle and her team! They were very prompt to respond and very helpful at keeping us on schedule! Would definitely recommend working with her!


– Whitney BrewerFit