Covid-19 Updates

Intercap Lending is committed to the safety and well-being of our employees, clients, partners, and the communities we serve.

If you are a servicing customer and you have concerns about making your payment, please click here for more information about forbearance options.

Most Intercap employees are now working remotely through our secure systems. There are no delays in our loan origination services. However, delays may occur with certain services related to your loan, e.g. appraisals, title, escrow, and notary services. Intercap will keep parties informed of any possible delays.

Intercap has invested in technologies that allow us to continue at full-capacity and support a remote work and client experience as follows:

1. Online Applications – Home purchase and refinance applications can be submitted entirely online and through our Homebuyer mobile app.

2. Smart phone document uploads – Clients can use their smart phone to take pictures of their loan documents and securely upload them to their loan file using the Intercap Homebuyer App. Other secure document delivery options are available by contacting your Intercap loan officer.

3. E-signing – Clients can securely e-sign their loan documents from home. In most cases, final documents will need to be signed in the presence of a licensed notary.

4. Loan officers use video, text, email, and phone to stay in close touch with their clients, partners and support staff. They also have instant and secure, web-based access to loans and rates from home.

5. Agent partners have access to shared remote technologies such as the Homebuyer App, CRM, and Loan Status Updates.

6. Processors, underwriters, closers, funders, and other support staff are able to work from home with secure, web-based access to loan files. As a direct Fannie Mae, Freddie Mac and Ginnie Mae lender, most of our loans are underwritten in-house for faster closings.

7. Special considerations for employees and their families will be provided through internal communications. Loan servicing clients may also receive direct communications related to the impact of this unique situation.

We look forward to meeting you in person, but we are perfectly able to provide full-service loan support from our home to yours. Please be safe and well, and know that we are here for you.


Intercap Lending


Remote Services: Resources and Information

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Grand Opening to Celebrate Expansion into California

Surfer Painting

Grand Opening at Intercap Lending San Diego

San Diego, CA –  Intercap Lending, Inc., a direct mortgage lender providing FHA, VA, USDA, Conventional, and Jumbo Loans, has opened a new retail branch in San Diego, California.  Intercap Lending welcomed the community to their Grand Opening on Thursday, February 20, from 5pm-9pm.  This party celebrated over 40 years of successful business growth in the mortgage industry and introduced guests to Danny Drysdale, Branch Manager, and his local team of real estate professionals.  Attendees enjoyed light appetizers, a hosted bar and were entertained by Sergio’s Live Art + Music.  Sergio Gutierrez performed crowd favorites on his guitar while painting a replica of the mural he will be completing in the branch later in the month.  The mural depicts a surfer, riding the waves in a sunset.  The branch will be presenting the finished painting to one lucky winner in March!

Since 1978 Intercap Lending has maintained the values of a family-owned business, providing honest and personal mortgage lending to homebuyers across America. In 2016, Intercap was purchased by Josh Romney. As a successful entrepreneur and father of eight, Josh believes in the proven formula of sound business principles mixed with strong family values.  This was highlighted with the attendance of parents, family and friends, including Senator Mitt Romney, Josh’s own proud father.

The new space will offer Realtors, clients and affiliates a place to learn and collaborate.  The site boasts 2 large meeting spaces – the first, a conference room with video capabilities is available to reserve directly through an Intercap Lending Loan Officer.  The smaller, more relaxed living room in the center of the office, is an ideal place to partner on events or just catch up with clients.

In addition to the focus on expansion in California, Intercap Lending is bringing the first series of Captivate Real Estate Coaching to the state beginning March 1st.  This invitation only session will be the CA kick off to a program that has seen much success in the UT market.  The new office houses a selection of Captivate material and will be the site of many training workshops in the coming months.

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Free Homebuyer App

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Buy vs Rent

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No money down options

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Free Contact Management System for RE Agents!

Intercap Lending has invested in a robust yet simple-to-use contact management system called Total Expert. It is specifically designed for real estate and lending professionals with all the features you need to keep your clients happily engaged as you help them buy and sell homes.

Total Expert includes features like automated email and text campaigns, single property websites, open house flyers, and social media integration. Best of all, we’re offering a free version to any real estate agent who wants to give it a spin – no strings attached.

Request your free Total Expert Account – no strings attached

[contact-form-7 id=”16695″ title=”TE Request”]
Contact Management and Marketing System

The best way to stay in contact with your SOI when you can’t be there in person is with a contact management system or CMS. Your CMS should allow you to accomplish the following

  • Manage your contacts in one place. A good CMS will help keep you organized when you have clients at different stages of the life cycle and sales pipeline. You may also have other tools that need access to your contacts, like a lead management system. A good CMS will provide the ability to connect these systems and centralize your contact database.
  • Setup automated and instant messaging. Consistent and quality communication is the key to growing your business. A good CMS will allow you to create email and text messages to your clients, partners, team members, and yourself during the different stages of your business workflows and the homeowner lifecycle so everyone on your team knows what’s going on and what to do.
  • View real-time data of your business. Once your CMS is setup and you begin using it to manage your contacts and communications, you will be able to access real-time reports of production, workflows, marketing campaigns, and other key performance indicators.
  • Create campaigns and advertisements. Many of the real estate-specific CMS platforms have marketing engines to dynamically create open house flyers, single property websites, landing pages, IDX websites, and social media posts that pull directly from your MLS listings.
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