Start Putting Your Home to Work for You Today!
The thought of applying for a refinance or new home loan may seem like a daunting task. Mortgage banks can often hide behind tricky language and advertising in an effort to confuse clients and justify their fees.
At InterContinental Capital Group we know your time is valuable, and dealing with confusing sales talk is just another headache you don’t need. We also recognize that you want the best rate available and that you shouldn’t have to pay a fortune to get it.
Our mission is to provide a streamlined and straightforward mortgage process that’s easy to follow. We call this the Three C’s: Credit, Capacity and Collateral.
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Credit
Your credit score and payment history is our first insight into how you manage your debt. Our Loan Experts are trained to review your credit report with you and help you understand the picture that your credit profile paints.
Our goal is to structure a loan that best fits your financial needs, not to add the stress of another debt that may be difficult for you to manage.
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Capacity
Your credit score shows us how you have managed debt in the past, but the role of a responsible lender is to ensure that our clients have the capacity to afford a proposed loan. Our clients come from all walks of life, with varied and diverse forms and sources of income.
Our Loan Experts are here to make sure that this income is properly documented and disclosed so that we can approve you for a loan that you can comfortably afford.
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Collateral
Our client’s homes are not just an asset that they are borrowing against, but instead an integral part of their lives. Just as we look to determine that our clients can afford their mortgages, we also look to make certain a proposed loan doesn’t put an unsafe amount of stress on the home itself.
Our Loan Experts understand the housing market and will always look to put the needs and security of a homeowner first when structuring a loan program.
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