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!

Sold my mortgage before i even got a email from them. No help or notice, i had to figure it out…read moremyself 30 days before the first payment.

I got a decent interest rate but they sold my mortgage to another company after one month. I had to…read moreredo all of my autopay. They sold it to Citizen's bank which i have a huge problem and I am going to see if i can't get it transferred to my local credit union. this is stupid!

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.

We really enjoyed working with Intercap. Jordan and Andrea were great to work with and communicated…read morewell. Thank you for making a stressful time be a little less stressful.

Mandi Henriod, Amy Bass, and the team are awesome! I recently purchased home with the support and…read moreguidance of this group. It was seamless, support everyday into late hours of the evening, and signing day was a breeze. They listen and provide a service that is above and beyond when financing the purchase of a home. I highly recommend Mandi Henriod and team with Intercap Lending.

Stetson was great, he is extremely quick to answer all your questions and is extremely prompt on…read moregetting things done. Best of all is that he knows what he is doing and his work is professional. Recently he helped my family lower their monthly payment enough to the point they could afford the home they were wanting to get into. They had checked with two other mortgage companies before hand and nether one came close to what Creekside mortgage was able to do.

From the owner: Creekside Mortgage is disrupting the status quo in the Utah mortgage industry by providing a "work…read morewith an Owner" style of business. By removing all of the unnecessary overhead and "Top Heaviness" we are providing amazingly low interest rates and fees to our clients.

Jason has been an absolute fantastic asset with his knowledge of the VA loan program. He is prompt…read moreand has been fantastic to work with. I'd recommend anyone to use Jason and his mortgage services.

From the owner: Provide unique loan programs for low down payments and on-time closings with a focus on a supreme…read morecustomer experience through loan officer communication and accessibility. Offering conventional, Jumbo, FHA, USDA and portfolio products with specialization in VA home loans.

Ryan was so great to work with! We switched lenders because he promised he would get us a better…read moredeal. When the sellers for our house demanded more money down and I thought there was no way we were going to get this house - Ryan was on the phone at 9 PM reassuring me he could make it work without a problem. I was also so surprised at how fast Ryan and his team moved with getting our loan processed. We had so many questions and he was kind, calm and very professional with helping us through our first home purchase!

Ryan is absolutely fantastic to work with! As a first time home buyer I was really concerned about…read moreunderstanding details and finding the best possible rate. Ryan did not only deliver but he well exceeded my expectations. He's super friendly, experienced, no pressure and I would recommend him to anyone!

Taylor got us a loan in 10 days. Seriously incredible, ontop of everything, and very responsive (:read more

From the owner: Intercap Lending specializes in FHA, USDA, VA, Utah Housing, Conventional, and Jumbo home loans. We…read moreare a direct Fannie Mae, Freddie Mac, and Ginnie Mae lender offering excellent rates and fast closings. A name you can trust since 1978.

Genuinely an amazing experience. I hadn't expected such personal, empathetic service. James and his…read moreteam are phenomenal to work with. They communicate often and clearly every step of the way. And I hear the service doesn't stop after the purchase. They stay in touch, evaluate the loan each year, and offer options that hello you save based on the market. I couldn't have asked for a more personable service. I would recommend James and his team for every home purchase.

From the owner: James Sly-Rocky Mountain Mortgage Loans can help you achieve your goals. To set up the right Provo,…read moreUT mortgage plan for you, get in touch with us -- we're happy to help.