Servicing Your Intercap Mortgage

IMPORTANT UPDATE ON TAXES: Intercap Lending will mail the mortgage 1098 interest statement each year by January 31st. You may also obtain a copy from the Borrower Portal (click here for instructions).

You have the option to make mortgage payments by mail, phone, and online. The online portal allows you to setup automatic and recurring payments. Please refer the the FAQ section below for common questions and instructions about our online borrower portal.

Three Options to Pay Your Mortgage

  1. Click HERE to make an online payment.
  2. Call (800) 658-9371 to pay by phone ($15 processing fee required)
  3. Mail your payment to

Intercap Lending
5600 Wyoming Blvd NE, Suite 20
Albuquerque, NM 87109

Servicing FAQs

STEP 1: Register for an online account

  • Click here to register for a new borrower account.
  • You will need your loan number to register.
  • If you experience problems registering your account, please call (800) 658-9371 or email servicing@intercaplending.com

STEP 2: Login to the Online Borrower Portal

  • You will be able to login to the borrower portal after completing your registration.
  • In the future, you can access the Online Borrower Portal from our website by hovering over the MY LOAN link on the top right navigation and select MY INTERCAP LOAN.

STEP 3: Make a mortgage payment

  • Select MAKE A PAYMENT from the top navigation of the borrower portal to submit a one-time payment.
  • Select RECURRING PAYMENTS to setup an automatic recurring payment.
  • You will need to connect your bank account to make online payments. Click the blue NEW PAY ACCOUNT found to the right of the payment page or PAYMENT ACCOUNTS on the top navigation to link your bank account.

What is an escrow account?

An escrow account acts as a savings account managed by Intercap Lending. A portion of your monthly mortgage payment is deposited and held until the funds are needed to pay Property Tax, Insurance Premiums and Mortgage Insurance, (if applicable).

Is an escrow account required?

Escrow accounts can only be waived on Conventional loan types. Any loan guaranteed by the FHA (Federal Housing Administration), VA (Veterans Affairs) or USDA (United State Department of Agriculture) cannot be waived. If you would like to look into waiving your escrow account, please keep the following in mind:

  • All payments must be current over the last 12 months
  • Cannot be in foreclosure, bankruptcy or any loss mitigation programs
  • The loan-to-value of your loan must be 80% or less
  • Your property is not located in a Flood Hazard Area as defined by state or federal agencies

If all of these conditions are met, please complete an Escrow Waiver Request Form and
send to Intercap Lending:

Email: servicing@intercaplending.com
Fax: (505) 292-4915
Mail: Intercap Lending
5600 Wyoming Blvd NE, Suite 20
Albuquerque, NM 87109

What causes and escrow shortage?

An escrow shortage could be caused by a number of items. The most common cause is due to Property Tax and Insurance Policy premium changes.

  • Property Tax increase due to land only assessment completed the 1st year of a newly built
    home.
  • Local Property Taxes can increase at any time, watch for notices in the mail from your local
    City/County Tax offices.
  • If a Supplemental Property Tax bill was paid from your escrow account.
  • Property Insurance premium increase due to change in policy or damage that has not been
    repaired.

*If your premiums have significantly increased over the last year, you may want to contact your local City/County Tax office or Property Insurance Agent for further clarification.

How do I order a payoff statement?
You can contact our Customer Service and they will respond with a payoff statement within 7 days.
Phone: 800-658-9371
Email: payoffs@intercaplending.com
Fax: (505) 292-4915
Mail: Intercap Lending
5600 Wyoming Blvd NE, Suite 20
Albuquerque, NM 87109

When will my escrow refund be sent?

The escrow refund/payoff overage will be disbursed and mailed within 30 days after the payoff date. The check will be mailed to the mailing address on file.

*If your mailing address has changed and needs to be updated please contact the Servicing Department:
Phone: 800-658-9371
Email: payoffs@intercaplending.com
Fax: (505) 292-4915
Mail: Intercap Lending
5600 Wyoming Blvd NE, Suite 20
Albuquerque, NM 87109

Intercap Loan Servicing

Servicing Department is available Monday – Friday, 8am – 5pm MT

Phone: (800) 658-9371

Fax: (505) 292-4915

Email: servicing@intercaplending.com

Mail
Intercap Lending
5600 Wyoming Blvd NE, Suite 20
Albuquerque, NM 87109

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