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Employee Benefit Program

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Kristin Buta and Nikko Denis have teamed together with

XXX Company to help you simplify your home needs.

Because we enjoy working with XXX Company so much, we've built some amazing programs for you at a discount.  Our goal is to help make your next move as streamlined and stress-free as possible.


We understand that buying or selling a home is more than just a transaction.

It’s a personal, life-changing experience.  We are dedicated to providing exceptional service and customized strategies so we can help our clients feel empowered to make good decisions in the real estate market.  

Whether you’re looking to sell your current home, buy a new home, or refinance, we can help.  Intercap Lending offers competitive rates and several loan options. 

Here’s just a few programs that are available. 

Contact us today to see what options work best for your individual needs!

Buying a Home

We’ll be working together to simplify your buying process.  By working with us, you will receive:

  • We provide a $1,000 Credit toward your closing costs or a rate buy-down.*

  • You'll receive another $1,000 Credit either towards your home inspection, a home warranty, your moving expenses, or other moving-related costs.**

Buying and Selling? 

Looking to Buy and Sell at the same time?  We can strategize your move in either a tired approach or in a way that you only move once! By working with us, you'll receive:

  • We provide a $1,000 Credit toward your closing costs or a rate buy-down.*

  • You'll receive another $1,000 Credit either towards your home inspection, your moving expenses, or other moving related costs.**

  • PLUS you’ll receive a 1.5% discount on the sale of your home by choosing Kristin as your agent for both transactions.**

Selling a Home

We’ll help you get to where you need to be! 

  • By choosing Kristin as your seller’s agent,  she will discount her services by 1% and she will include a 1 year home warranty with your sale, a value-add to help attract buyers to your listing.**



We can make that easy!  We offer competitive rates for refinancing and have several programs available. 

Why We're Different.

Nikko and Kristin like to focus on their clients’ needs first.

We’ve built our business by taking good care of people, and we prefer it that way.  We enjoy having lasting relationships with our clients and making sure they are happy and satisfied with the services we provide.  We will also help be a resource long after the transaction is closed . 

We’re not only going to look out for your best interests, but we’re also going to treat you like family.  We will always be there for the long haul.  We simply like to do right by our clients and treat them with the respect and dignity they deserve. 

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PO Box 521474

SLC, UT 84152

Meet The Team


Kristin Buta, Realtor, Owner

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I am a dedicated to helping clients sell, buy, and invest in real estate across Utah.  I’m a second-generation Realtor and have been in and out of real estate since 1993.  I naturally understand the dynamics of real estate.  I love helping my clients and I always put their needs first. 


I believe in values like integrity, dependability, and reliability.  For me, real estate is an important journey and like to make sure our clients feel empowered by their choices and their decisions are always made without pressure.  Real estate is a passion of mine and I like to make the process as stress-free as possible. 


Whatever your need, I’m here to help! 


Nikko Denis, Branch Manager

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I have 9 years of experience in the Mortgage Industry and I'm currently a Branch Manager at Intercap Lending in Draper, Utah.  


I'm backed by in-house processing and underwriting to guarantee a smooth and timely transaction.  I'm licensed in UT, AZ, ID & CA and I work with first-time homebuyers, multi-million dollar clients and everything in between. Whether you are looking to purchase a new home, refinance an existing mortgage, or access your homes current equity,


I will strive to help you understand your mortgage options. I pride myself on being honest and transparent, keeping your interests as a top priority

We recommend Kristin &  Nikko for their expertise and dedication to their clients.

What started as a casual realtor/client relationship, ended up being a lifetime friendship and major respect for her, her moral code, her ethics, hard work and honesty. Kristin walked us through the hardest, most trying experience: buying a home during a global pandemic with plenty of curveballs and devastating job loss a day before closing. She met us in stride, never gave up on us or our sweet home, that we all knew was ours. Kristin went above and beyond and then some to ensure that we were supported, heard and happy. Kristin is good people, she will fight for you, do what is right and represent you in the best way.


Not only did Nikko take on our file, picking up where a previous lender gave up, but Nikko approached us with the most grace, support, confidence and kindness that everyone deserves when embarking on home purchasing. Nikko went above and beyond and then some. There were several times where hope seemed completely lost and Nikko, like the magician he is, made sure we were always taken care of. I couldn’t recommend Nikko Denis and his services more. He actually cares and wants the best for you. And he’s willing to bust his tail to ensure that for you.

Brooke & Josh - Buyers

When we decided to buy a house in Salt Lake City - our first call was to Kristin and our second call was to Nikko based on her recommendation. 

As buyers outside of Utah - the process was so easy and quick going forward - Nikko determined our financing and once we found (multiple!) houses - we only had to say the word and we had offer written and financing ready to go. We picked and bought our house 6 weeks after we decided to buy - and the seamless process was 100% the result of Kristin and Nikko and their professional relationship.


Every time I hear someone wanting to buy a house in Salt Lake - my first words are “call Kristin and then Nikko and you’ll be set”

Calli & Nate - Buyers

Kristin is the best there is, period. It was smooth and stress free and a dream come true! She will put you first always. Can’t recommend her enough. Even if you’re thinking of where to start, start with her.

Krista- Buyer

Kristin is the most incredible real estate agent we've ever worked with.  She works hard to make sure you are well taken carte of, whether finding the right property or working with difficult sellers.  10 out of 10, highly recommended. 

Heidi & Sarah- Buyers

What Our Clients Are Saying

* Lender issued credit, terms and conditions apply.

** Realtor issued credit, terms and conditions apply.

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For immediate inquiries,

Please call 801-259-6838

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Intercap Lending NMLS# 190465

11781 S Lone Peak Pkwy Ste 200, 

Draper, UT, 84020

Equal Housing Lender

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