Our mission is to find the best interest rate, cost, and service possible to purchase or refinance your home in today’s market. Trying to find the right lender through thousands of websites can be extremely overwhelming, but our system is designed to be user-friendly and quite simple to use. The bottom line, you want to know quickly what you’re paying. Just use our QUICKGFE link, insert some quick information, press enter and you’ll receive a Good Faith Estimate, or “GFE,” within seconds. This GFE is a close indication of what to expect in fees charged by InterCap Funding. If you have any questions or need a better understanding of the GFE, just go to our “What’s a GFE” link for a detailed explanation.

Once using our System, you’ll find that our rates and fees will be hard to match, whether you apply with a Broker or Banker; and we do encourage you to “Shop Us”, a term this industry doesn’t like. Our rates and cost will be very competitive for this industry. By eliminating the middleman fee, we can provide you with lower rates and closing costs, this will allow you to have a much larger loan amount with a lower payment, and that’s our promise to you!

Once you go through our GFE stage, if you wish to continue, you’ll go to the next step which is submitting some miner information. Once submitting your information, we’ll have a representative contact you within 24 to 72 hours to further the loan application process. We’ll keep you updated under our market update link on whether to lock your rate or float. This link will keep you informed on today’s bond market and give you the edge whether to lock or float your interest rate.

After being pre-qualified, a formal loan application with disclosures will be sent to you either by via Email for eSignature, or mailed to your home address for your wet signature by US postal delivery, whichever is more convenient for you. To move forward, you’ll need to review, then sign the application with disclosures and return with all the necessary financial documents, a checklist will be provided. The total loan application process will normally take about 3 to 8 weeks, depending on your situation.

Thank you so much for choosing InterCap Funding in processing your loan application and we look forward to assisting you in all your needs in the home mortgage financing industry.