Get An Affordable Home Loan. Low Rates. Fast Qualification.




Buying a new home? Refinancing? can help you out!


Start Your Home Loan Quote Now! 100% Risk-Free.


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"When I needed help or had questions someone was available instantly... very helpful and informative." - Ann

Buying or Refinancing A Home Today Is Hard -- We Make It Easy

It pays to use Intercap Lending to finance your home loan

Minimal Down Payment

One of the greatest barriers to buying a home is the down payment. We have created a proprietary program that allows you to put down a minimal amount to buy your new home.

Our SNAP loan approval process that will let you know you are pre-approved by one of our underwriters BEFORE you go shopping for your new home.

Get Pre-Approved In A SNAP!

We are a direct Fannie Mae, Freddie Mac and Ginnie Mae seller, servicer and issuer. Less than 1% of lenders nationwide have these three key investor approvals.

Over 35 Years Of Lending

's Direct Quote Line

Call us if you have any questions or for a quote - We are happy to help you

Get Pre-Approved BEFORE You Start Your Home Search >


What Our Clients Say

At Intercap Lending, we've been helping people with their home loans since 1978.
Whether you're refinancing, or buying a home for the first time, we're here to help you.

Eugene S.

5 Stars across the board ! Outstanding service fast and easy !!!

Everyone that helped with our refinance were absolutely amazing! Thanks

Ree M.

It was a pleasure to deal with you guys. Everyone I worked with was very professional, friendly and helpful.

Kevin S

Frequently Asked Questions

Have questions about getting a home loan?
Read below or contact one of our home loan specialists today.



While every home loan is different, we've created a proprietary program that allows you to put down a minimal amount to buy your home. Contact us for more details.

How much money do I need for a down payment?



There are many factors that go in to determining how big of a loan you can qualify for. We recommend contacting us today to get pre-approved BEFORE you begin your home search.

How big of a loan can I get?



There are many advantages to refinancing. You can potentially lower your interest rate or monthly payment. You can also lock in a fixed rate so your Adjustable Mortgage payment doesn't fluctuate.

Why should I refinance?



We call them the "4 C's of Lending". 1. Credit score & history. 2. Cash for down payment. 3. Collateral or value of property. 4. Character or your personal credit history.

What determines my interest rate & loan amount?

Get A Faster Quote For Your Home Loan!

Don’t Wait - Get a Free quote on your home loan in minutes!


Call us today!

Intercap Lending is NOT affiliated with government agencies, including the VA. Licensing Terms & Conditions.

We may share customer information with our trusted affiliates to assist you with your VA loan. Customers with questions regarding our loan officers and their licensing may visit the Nationwide Mortgage Licensing System & Directory for more information.

NMLS ID #190465

Intercap Lending, 26970 Aliso Viejo Parkway Suite 100, Aliso Viejo, CA 92656 © 2016 - 2017

*Testimonial images do not depict actual clients, rather they are based on the likeness of our clients.

*Testimonial images do not depict actual clients, rather they are based on the likeness of our clients.

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