Lending With Integrity Since 1978

At Intercap Lending, we offer secured loans from government agencies such as the Federal Housing Administration (FHA) and the Department of Veterans Affairs (VA) as well as conventional loans that are not guaranteed or insured by any government agency.

Put our team to work to find the home loan product that is right for you.

How Working With a Direct Lender Benefits You

We are proud to be “Fannie direct”, “Freddie direct, and “Ginnie direct” seller servicers, meaning we are a direct lender authorized by Fannie Mae, Freddie Mac, and Ginnie Mae, not through intermediary third party servicers.

Being a direct lender allows us to give you more options during the loan process and increases your opportunity to be approved as quickly and easily as possible.


Take advantage of low interest rates, no down payment and easier qualifications with a VA Home Loan! Click to see why Veterans choose Intercap Lending.


See how easy it is to lower your interest rate and decrease your monthly mortgage payments by refinancing your VA Loan. Click to learn more about VA Streamline and Cash-Out Refinancing.


Want to learn more about the path to home ownership? Find resources, FAQs and tools for first time home buyers.

Looking for a VA home loan quote? Get started today in just a few minutes!