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Intercap Lending

4.0 (4 reviews)
Closed • 9:00 am - 6:30 pm

Services - Intercap Lending

Mortgage services

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Low VA Rates

Low VA Rates

(34 reviews)

Low VA Rates (LVAR) committed fraud. altered Instrument record in a 2017 refinance…read more In 2021, Eric Kandell (President of LVAR), tried to intice my veteran husband and me into a refinance and LVAR people tried to use new counterfeit documentation to conceal their prior acts of altering the record. Kandell informed us that fraud, though valid in fact, didn't matter since the VA (the Veterans Administration and U.S. Taxpayer) guarantee the 'loan' -- in layman terms that mean Kandell doesn't care if there is fraud since the VA and the U.S. Taxpayers are on the hook. Let that sink in. In 2020, Kandell had been financially punished for $1M, 800K by the CFPB (Consumer Finance Protection Bureau) for finance frauds and deceptive practices. Obviously, that wasn't enough to stop him. In 2021 Kandell's people intentionally inserted counterfeit to our property documentation in effort to try to entice us to refinance with LVAR again -- LVAR intentionally and knowingly put into an application file documentation that did not belong to our property. Recently, I received information that LVAR surrendered its Idaho license in July of 2025. I also spoke with a former LVAR employee (who said he was going to email Kandell and ask that LVAR about resolving this matter. Did he do it, and if so, what did Kandell say? I hope that through the continued federal and state investigation, LVAR is CLOSED DOWN COMPLETELY. Deceiving Veterans is as low as you can go, and preying on people's trust shows ZERO moral fiber.

I might as well start this review by admitting I do not particularly like lenders... So for me to…read moregive Low VA Rates a 5-Star review is a big deal! I found Low VA Rates through a "friend of a friend" and I cannot tell you how happy I am that I found them. I called the area code (855) number and the receptionist that answered the phone could not have been more helpful. She carefully listened to what I needed, transferred me to the staff member she thought could help me and, when they didn't answer, gave me their email address. Later that same day I received both a call back and a return email from Blake... PROMISE MADE, PROMISE KEPT! Blake listened carefully to what I needed... told me he would get back to me after doing a little research and he did exactly that... PROMISE MADE, PROMISE KEPT! The next day I received a call from Blake telling me that my request had been escalated to the President of the company (Eric) and to expect a call or email requesting additional details. Lo and behold, I am now in contact with the President of Low VA Rates and we are making steady progress... PROMISE MADE, PROMISE KEPT! I have never dealt with a lender this kind, this professional and this dedicated to taking care of their clients! THANK YOU!!! P.S. The only reason I am giving Low VA Rates a 5-Star review is that Yelp won't let me give them 10!

Box Home Loans - Box Home Loans Team

Box Home Loans

(44 reviews)

This Company is not interested in assisting Veterans. I wanted to do a simple No Cash out IRRRL and…read moretheir initial rates (Rate = 5.625, APR = 5.727) was a decent rate, but then they started saying that my home had to be considered a 2nd home or investment property even though this was my Primary Residence out of 2 homes and had an existing VA Primary loan on it so the classification doesn't matter. This was confirmed with the VA and Chat GPT said the exact same thing. But Bix Home Kian insisted it was a 2nd or investment home and up's the rate so the APR was now over 6%. When I told them to cancel the loan, they said they lowered the rate back to the original rates they quoted but, they just added in additional fees that cranked the total loan to more than $12k over the payoff. This company is totally out to cheat you out of every single penny that they can. I would highly recommend shopping around and finding a better company!

In my opinion the company is unethical and the underwriters are incompetent. Search also canopy…read moreloans and silk Title, nudge funding. I was told the week before thanksgiving I would close in a few days. It is now 2.6.21( locked my rate in september) and they still are unable to close. You will not be able to get any clear answers from anyone there. They also switched my insurance into their name, did not tell me and did not pay it which caused my trouble with my insurance bill. I am being held financially hostage and if you push back or question you will be told that you need to be more cooperative. Beware. Do not use. Had I not used them in the past I would think I was being scammed. I believe they have decided to take on as many loan applications as they can get no matter their ability to handle them because the customer is ultimately the one who will lose thousands of dollars - no sweat off their back. update: It is now 2.18 and working with canopy mortgage, box home loans, nudge funding, silk title has continued to be a special kind of hell that never ends. I finally closed last week and my loan was supposed to be funded yesterday and today I get a call that we now have to re - close because of the incompetence of the companies. Not going to reclose. They have got to get it together. Its so insane I wouldn't believe it if it wasnt happening to me directly. NEVER USE THEM! ITS a daily nightmare and if you dont stay on top of things their errors will cost you.

Intercap Lending - mortgagebrokers - Updated May 2026

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