First Time Home Loans

Whether you're a first-time home-buyer, or you already have a mortgage and want to move, get answers to all your questions here.

Buying a home or refinancing a home today can be very difficult. Lenders have been put under the microscope and a mass of regulations have flooded our industry. At Intercap Lending, we pride ourselves on being able to balance compliance changes with excellent customer service. The process may have become more complex, but we still make it easy for you!


Learn what you need to have in order to qualify for a mortgage.


Whether you're moving up, or looking to invest, we've got the right mortgage to fit your needs.

The 4 Cs Of Lending

1. Credit: When applying for a home loan, credit is an important factor. Our home loan officers can help analyze your credit report and create solutions for improvement. Once this is done, you will be ready to apply for a home loan.

2. Cash: How much money do you have for a down payment? The more you put down, the less risk the lender has, and better loan terms will apply.

3. Collateral: The house you are purchasing is the collateral to which the lender is tying the loan. There are many factors that dictate the value of the property.

4. Character: How long have you been on your job? How long have you been renting? How stable is your position? How is your past credit history? These factors help determine your character and opportunity for a home loan.

Let Intercap Lending help you navigate the waters of the loan process and give you the customer experience you deserve.

What If I'm Moving Up Or Investing?

Let Intercap Lending find the right mortgage product for your needs. Here are some loan examples to help the move-up and investment buyer:

  • Jumbo Financing
  • First and second mortgages combined (for example: 80/10/10)
  • Loan for 1 to 4 units for investors