Steve at Intercap Lending were outstanding. I closed on a home in Santa Cruz using my VA benefit, and they made the process seamless. He answered every question quickly, walked me through the numbers line by line, and never made me feel rushed or pressured. We actually closed early with no surprises. Whether you're a veteran or not, if you're buying in this market, he is the people you want in your corner. Highly recommend. read more

The team is impressive, very knowledgeable, fast and thorough. I would highly recommend.

Steve at Intercap Lending was hands-down one of the best people I worked with during my home purchase. He was knowledgeable, honest, and so easy to work with. He helped me understand rates, loan options, and the smartest way to use my money so I could get the best loan possible and keep my payment where I needed it. What really stood out was how responsive and patient he was -- no matter how many questions I had, he always took the time to explain everything clearly so I never felt confused or pressured. I would absolutely recommend Steve to anyone looking for a lender they can trust. I will 100% use him again. He made a stressful process feel so much easier. read more

My wife Lisa and I discovered Intercap Lending and Steve Carter back in 2017 when we still lived in Houston and were planning a move to Salt Lake City. We had ZERO issues with Steve and Intercap. In fact, as crazy as it sounds.....we moved three more times SINCE 2017 to different states and Steve was licensed in all three of them. We've used him exclusively for FOUR transactions in under eight years with absolutely no problems at all. Any time we had a question about anything regarding our loan etc, all we had to do was call Steve and he was on it. This guy is on the ball. I would hire him again in a heartbeat. Steve Carter is a PRO in every sense of the word. Mike and Lisa Perry read more

We have done multiple transactions through Burt at Intercap, he is absolutely amazing. He and Holly are a great team. They're very knowledgeable, responsive, helpful, and on top of things. We have recommended them to many family members and friends. read more

Steve is the best in the business and I don't think we would have our home if it were not for him! He answered his phone or responded to texts so fast, I felt like I was his only client. Sometimes that was critical for information needed for writing offers etc, and he saved the day by being there for us! I wish everyone I ever had to buy anything from had the commitment to customer service that Steve has. Thank you Steve! read more

Steve Carter and his team were awesome and explained the entire process. They always got back to me right away!

I've had the opportunity to work with Paul H on three occasions now. When he referred me to Steve C for an out of state purchase, I knew I was in good hands. Both went way beyond expected to help. Much appreciated. Ricky T. read more

Intercap is easy to work with. They have a great app that makes it easy to get documents uploaded and sent over. The team has been responsive to all my questions! Will use them again! read more

I have had two loans with Intercap; both very smoothly and efficiently taken care of by Ari R. and Steve C. I'm very happy with their performance and would highly recommend them to my family and friends. read more

Andrea, Lindsay and Steve were wonderful to work with. They helped us get through the whole process with ease. Andrea was in constant communication with us which helped immensely. read more

Steve was extremely helpful with our home loan process and made sure to explain everything. He was very easy to get a hold of and always willing to go above and beyond. read more

we closed fast and pain free. thank you Steve. so enjoyable working with you. thanks!

We have used Dave's services before and we were happy to return! Once again, he went above and beyond to help us, to return calls and messages quickly, and to explain our options. He was always professional and knowledgeable. read more

I've worked with Intercap on two home loans now, and highly recommend them. When complications come up, they can pivot quickly and get the right information to the right people quickly. read more

We have been trying to get a principle payment applied to our principle balance with Intercap Lending since they cashed the check on February 9. They have been horrible to work with, even though we have sent clear concise communication and relayed that we wanted the whole amount applied to principle - not some skewed applied towards future payments and some applied to principle - especially when we have auto pay on our mortgage. I've talked with Don, who deferred to Gary, and on message Rex went from promising it would be straightened out - addressing both my husband and me - to just addressing me saying Gary has conflicting information between my husband and I - ridiculous. Male chauvinistic behavior. Husband will now have to take the time, again, on Monday to request Gary do what we have been simply asking for 3 weeks now. This isn't brain surgery, but it is our money they are dinking around with. read more

I need to say. Right now my wife i and my 3 kids Sleeping in the car because of Intercap they was have to close on the loan from 01/30/2021 every time and each of them say different story. If I need to say everything is happen here then I need 1 Full Month to finish Write my story. My story will be in the News soon on Fox 13 because We are suffering really bad. My kids are not going to school. I hope it's not happen to other people Because is really bad and hard to be in street with your kids. I had to stop working so I can be staying with my kids and wife is the only place they can stay on is our car. however They qualify us. For $180.000 I and zoey told me to start look for house I find house 2 hours away from where I live. Then they say it's really hard to get you the loan under your Name but we will do it I just mention I may can have my mother in law as co-signer. When's I just say that they come up with there's no way I can qualify with just my name. we had my mother in law as co-signer. Even tho I'm first time buyer I have full time job my score is 669. They did not need to qualify me. and the loan we getting through FHA is require only 500 score but Cole say no they need your score to be 700 and more. But they anyway end up telling us they have to remove my Name and get the loan under my mother in law name only. It's will be faster and easy. but they only need her transfer letter. My mother in law job tell her you can put your transfer but we will not give any paper. To show you are transferring. However we ask Cole how about we get her new job there he say yes that will work but have the New Work write to her a paper with her hourly Rate and the day she will start work we find her housekeeping work we get them the paper then they said. She can't be qualify. Because she's not going to be making food in her new job so she have to make food so we can get her the loan. also they never call me or text me for update I have to ask if I don't ask then they even forget about me. need to say this if you don't know how to do something. Just don't do it. They say on their website 100% Risk free They play with my life and my family life the a game if we don't qualify why would you say we are and we told you we are giving our house by 01/30/2021. They told me we will get you the loan no metter what They Try so hard to do the things is easy for them they don't care if it's going to be hard on us i have all their message even tho they lie about something they say no we did not. But I have all your message and I hope I will get help soon. To let that be public because people life is not a game. and you need to know what you doing or how u doing the things. Not when u guys was need the money my phone never stop. rang when we need something we get sick so we can get hold of you. I hope you guys understand. and if anyone have advice or something can help please do ayahlove620@yahoo.com read more

Intercap Lending - As you see in this picture is say %100 Risk Free. But why m and my kids are in street now Because they lie to much and they risk my family - Mortgage Lenders Near Me - Salt Lake City, Utah

Vinesa and Alejandra were so helpful in this whole process. Made it all quick and easy and extremely less stressful than anticipated! Excellent customer service answered all our questions! read more

This company is only out to get your money! I decided to do a cash out refinance and decided to do business with this company (specifically Alfonso and Steve). I thought I was getting a good deal until I did some shopping around and got a much better deal with another lender. Unfortunately when I decided to take my business elsewhere the employees at Intercap lending dragged their feet transferring my documents to the new company and in the end the appraisal I paid out of pocket for was completely useless. The appraisal needed to have a comment added about solar panels, my new lender was unable to have the comment added because he wasn't the original lender who ordered the appraisal. I asked if Intercap could help and they flat out refused. I would have already closed on this refinance but thanks to NO HELP from intercap, I still haven't. I'm sorry that I couldn't do business with intercap, I would have stayed with them but they gave me a crappy deal. 5.3% interest and almost 10k in closing costs. I got a better deal 4.75% with 6k in closing costs. But here's the thing, I literally had a bidding war to keep my business and eventually Intercap was able to get me a deal close to that, but they couldn't beat the deal that I got in the end. Why is it that I had to go to another company to get a better deal? Why wasn't it first offered to me in the first place? This is why I said from the beginning, INTERCAP LENDING IS ONLY INTERESTED IN TAKING AS MUCH MONEY FROM YOU AS THEY CAN! Worst experience of my life. read more

They are the worst! Do yourself a favor and don't waste your time. Got a letter and I called to see if I qualify for Home Affordable Refi Program. Spoke to Noelle, who took my info and told me she'd call back. Never did. Then I got a hold of her and she explained she is so busy and sorry, bla, bla, bla. She took all my info over the phone of mortgage, insurance, hoa, addresses (was for two homes) which was time consuming but I knew I had to do it to refi. Then she never called me back and never returned my calls to even tell me if I didn't qualify. So I called back and spoke to Scott Johns, and he never called back. I gave up and called a different lender. read more

We have worked with Steve C. Now on two of our refinances. The first time we worked with him was such an improvement to a different company we had been using. I was completely impressed with Steve's process of getting our loan completed. He was quick to respond to my emails. He helped me understand the process the entire time. I always knew exactly where we were in the process. I live in California and Steve made it very easy to sign all required documents, set up appraisals and anything else that had to be completed. Most importantly he got us an great rate and lowered our mortgage! We were so very impressed after the first time we worked with him that it was a no question that we would work with him again the second time we refinanced. And again we had a great experience. We don't have enough great things to say. Thanks so much Steve C. I would absolutely refer Steve to all my friends and family:) read more

IF I could give it less than one star I would. Horrible customer service and even worse website. No call backs and their computer duly stem does NOT recognize our loan number. I'm pretty sure if I wait till I want to pay them they would contact me sooner. read more

Cameron skillfully and efficiently assisted me through a mortgage refinance, and I could not be happier with his service. He was responsive and attentive at all times, and provided clarification whenever needed. Thank you for your assistance with a great loan! read more

Intercap Lending and Cameron Pinpherk were amazing to work with. They got me the help and money I needed and saved me a ton of money. Thanks Cam the Mortgage Man, I will definitely recommend you to my friends and family. read more

Very bad customer service. They are supposed to have a new website for loan payment.It was supposed to be ready before Thanksgiving 2015. Still not working and it won't be ready before 3 more days. It is also difficult to reach them on the phone. .....Not professional at all. read more

My husband and I have been with Intercap Lending for approximately two years. When I received a call from Cameron Pinpherk (Cam the Mortgage Man) about refinancing our home I was hesitant. Our previous experience in refinancing with a different lender was such a terrible experience I did not want to think about going through that again. I work full-time while completing my Master's Degree so I did not have any time to waste. Cameron assured me the process would be painless and he would help me every step of the way. I could not help but feel a bit anxious, but I agreed to do it. To my surprise, it was not an unpleasant experience and Cameron was wonderful. He answered all of my questions and addressed all of my concerns. We are happy we refinanced through Intercap. It was worth it! Thank you Cameron. read more

These people send me the same piece of unrequested junk mail every other week for months now. I can't imagine their product is worth having when they have to pester me incessantly. I'll shop for my re-fi elsewhere. read more

I recommend Cameron and the Intercap Lending team. From the beginning they took the time to explain each of the process steps. The entire team was very helpful and tolerated my numerous questions. I appreciate their patients and help. read more