Intercap Lending San Diego Branch

Intercap Lending San Diego Branch Home ownership is one of life’s greatest achievements. Exceeding expectations with extraordinary service that’s uniquely personal to your life is where we live.

Welcome Home! Our San Diego branch specializes in the needs of all home buyers in San Diego and the surrounding areas including Los Angeles County, Orange County, San Bernadino County, Riverside County, Ventura County, San Diego County, and throughout our great state of California. Intercap of San Diego helps first-time homebuyers, mover-uppers, down-sizers, investors, and those wanting to refinan

ce. Common loans include USDA loans, VA loans, FHA loans, New Construction, Jumbo Loans, Conventional Loans, Adjustable Rate Loans (ARMS), Refinance, 203k Fixer-Upper Loans, Reverse Mortgages, and more. Call them today to start learning more about what mortgage options are available to you!

Renting vs owning is one of those conversations that is rarely as simple as people want it to be.I have clients on both ...
06/08/2026

Renting vs owning is one of those conversations that is rarely as simple as people want it to be.

I have clients on both sides of this decision and the right answer is always tied to their goals.

Renting offers flexibility and lower upfront commitment.

Owning offers a different set of advantages:

More control over your living situation
The ability to build equity over time
Exposure to long term appreciation

What I focus on is helping clients understand the tradeoffs and how each path aligns with their financial strategy.

In many cases, it is less about what is right in general and more about what is right for that specific moment.

Homeownership has historically been a key driver of long term wealth for many households. Source: FHFA House Price Index 2025.

Not every drop in rates means it is time to refinance.What I look at is your strike rate.Your strike rate is the interes...
06/05/2026

Not every drop in rates means it is time to refinance.

What I look at is your strike rate.

Your strike rate is the interest rate where refinancing actually makes financial sense for you.

Historically, many people used a 1% difference as a guideline. For example, if your current rate is 7.5%, a strike rate might be around 6.5%.

In today’s market, that gap is often smaller. Sometimes a 0.5% to 0.75% difference can be enough depending on the loan structure and goals.

The key is not just the rate. It is the overall impact on your payment, costs, and timeline.

Refinancing can be a great move, but only if it makes sense for your timeline.The key concept is break even.Break even i...
06/03/2026

Refinancing can be a great move, but only if it makes sense for your timeline.

The key concept is break even.

Break even is the point where your monthly savings outweigh the cost of the refinance.

Here is how it works:

Take your total closing costs
Divide by your monthly savings
That gives you the number of months to break even

If you plan to stay in the home longer than that timeframe, the refinance may make sense.

If not, it could actually cost you money.

Understanding this number is one of the most important parts of making a smart refinance decision.

Private Mortgage Insurance does not have to last forever.Many buyers are surprised to learn there are ways to remove PMI...
06/01/2026

Private Mortgage Insurance does not have to last forever.

Many buyers are surprised to learn there are ways to remove PMI depending on their situation.

You may be able to remove it by:

Reaching 20% equity in your home
Seeing an increase in home value
Refinancing into a new loan
Requesting removal based on your current balance

A quick review can show if you are closer than you think.

According to Freddie Mac, rising home values have helped many homeowners reach equity positions faster than expected.

Source: Freddie Mac Housing Market Report 2025.

I see a lot of buyers delay their plans because of things they think are true about credit.Some of the most common myths...
05/29/2026

I see a lot of buyers delay their plans because of things they think are true about credit.

Some of the most common myths:

You need perfect credit to buy
Checking your credit will hurt your score
You cannot qualify if you have some debt

The reality is there are loan options for a wide range of credit profiles, and most of these concerns are manageable with the right plan.

The hardest part is not credit. It is misinformation.

Understanding where you actually stand can open up more opportunities than you expect.

According to Experian, many approved borrowers fall outside of top tier credit ranges.

Source: Experian Mortgage Credit Trends Report 2025.

Not every loan should be approached the same way.What I focus on is personalized service that actually fits the client, ...
05/27/2026

Not every loan should be approached the same way.

What I focus on is personalized service that actually fits the client, not a one size approach.

That means:

Understanding your goals first
Building a strategy around your financial picture
Communicating clearly at every step

The difference is not just in the loan itself. It is in how the process feels.

When it is done right, you feel informed, confident, and supported from start to finish.

Today we remember and honor the brave men and women who gave everything for our freedom.Thank you for your courage and s...
05/25/2026

Today we remember and honor the brave men and women who gave everything for our freedom.

Thank you for your courage and sacrifice.

The number one mistake I see buyers make is starting their home search before they understand their numbers.It is easy t...
05/22/2026

The number one mistake I see buyers make is starting their home search before they understand their numbers.

It is easy to fall in love with a home online. It is much harder when the payment does not match what you expected.

What I always recommend first:

Get clear on your payment
Understand your loan options
Get fully pre approved

When buyers start with a strategy instead of a search, everything changes. Decisions are easier, offers are stronger, and there is a lot less stress along the way.

Debt consolidation is one of those tools that can be very effective when used the right way.When it helpsMoving high int...
05/20/2026

Debt consolidation is one of those tools that can be very effective when used the right way.

When it helps
Moving high interest debt into a lower interest loan can reduce monthly payments and save on interest over time.

When it hurts
If the balance is moved but spending habits stay the same, it can create more debt instead of solving it.

The key is pairing the strategy with a plan.

In some cases, using home equity through a refinance or HELOC can be part of that solution. In others, it may not be the right move.

The goal is not just to move debt. It is to improve the overall financial position.

A renovation loan allows you to combine the purchase of a home and the cost of improvements into one loan.That means:One...
05/18/2026

A renovation loan allows you to combine the purchase of a home and the cost of improvements into one loan.

That means:

One loan instead of separate financing
Ability to update or customize a home right away
Potential to increase value through renovations

This can be a great option for buyers who find a home with potential but not everything on their wish list.

Instead of passing on the property, you can turn it into what you want from the start.

Address

8954 Rio San Diego Drive Suite 102
San Diego, CA
92108

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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