At iCAP Mortgage, we offer a wide range of financing options tailored to meet your specific goals—whether you're purchasing your first home, investing in commercial property, or leveraging the equity you've built. As an independent mortgage broker, we shop across multiple lenders to bring you the most competitive options available.

Let's find the right loan for your needs.

residential loans

From first-time homebuyers to experienced owners, we provide access to a full suite of residential loan options designed to make homeownership simple and affordable.

• Conventional Loans Ideal for borrowers with solid credit and income, offering flexible terms and competitive rates.

• FHA, VA, and USDA Programs Government-backed loans designed to help buyers with low down payments, veteran benefits, or rural property eligibility.

• First-Time Buyer Programs Special incentives, grants, and reduced down payment options to help you take the first step into homeownership.

• Jumbo Loans High-value loans for properties that exceed conforming loan limits, with tailored qualification guidelines.

Reverse Mortgages

A reverse mortgage allows homeowners 62+ to convert home equity into accessible funds—while staying in their home and eliminating their monthly mortgage payment.

• Reverse Mortgage for Purchase Buy a new home without monthly mortgage payments—ideal for rightsizing in retirement.

• Line of Credit Options Access flexible, untaxed funds that grow over time and are available when needed. Lump Sum & Monthly



• Disbursement Choices Choose how you receive your proceeds—upfront, monthly, or both—based on your retirement strategy.
  

Commercial Loans

We provide strategic financing for

businesses and investors looking to

expand, acquire, or refinance commercial real estate.

• Owner-Occupied & Investment Properties Loans designed for properties used by your business or held for investment income.

• Mixed-Use, Retail, Office & Industrial Funding for a variety of property types, with customizable terms to fit your needs.

• SBA Loan Options Available Government-supported loans with longer terms and lower down payments for qualified businesses.

DSCR LOANS

Perfect for real estate investors—these loans are based on rental income, not personal income, making it easier to qualify and grow your portfolio.

• No Income Documentation Approval based on property cash flow—not tax returns or W2s.

• Based on Rental Income Property must generate enough income to cover the mortgage payment (DSCR calculation).

• Fast Closings Available Streamlined underwriting process for qualified investors and properties.

Texas Cash-Out Loans

Texas has strict guidelines for cash-out

refinances—we’ll help you navigate them with confidence.

• Home Improvements Finance renovations or additions to increase comfort and property value.

• Debt Payoff Use equity to eliminate high-interest debt and simplify monthly bills.

• Major Purchases Fund large expenses like tuition, vehicles, or medical costs.

Refinancing

Refinancing can help you improve your

loan terms, tap into equity, or restructure your financial future.

• Rate & Term Refinance Lower your interest rate, shorten your loan term, or reduce monthly payments.

• Cash-Out Refinance Take equity out of your home to use for personal or financial goals.

• FHA/VA Streamline Refinance Simplified refi process for FHA and VA loans—often with no appraisal or income verification.

Debt Consolidation Loans

Roll high-interest debts into a single, manageable mortgage loan and regain control of your finances.

• Lower Your Interest Rate Reduce the cost of your debt by replacing it with mortgage rates.

• One Easy Monthly Payment Combine multiple debts into one predictable payment.

• Improve Cash Flow Lower monthly obligations and reduce financial stress.

BUY BEFORE YOU SELL

Roll high-interest debts into a single, manageable mortgage loan and regain control of your finances.

• Lower Your Interest Rate Reduce the cost of your debt by replacing it with mortgage rates.

• One Easy Monthly Payment Combine multiple debts into one predictable payment.

• Improve Cash Flow Lower monthly obligations and reduce financial stress.

HELOCs

A HELOC allows you to borrow from

your home’s equity and use the funds

when and how you need them.

• Revolving Credit Line Borrow, repay, and reuse funds as needed, similar to a credit card.

• Interest-Only Options Available Pay interest-only during the draw period to keep payments low.

• Easy Access to Funds Access your equity with checks, transfers, or cards depending on your lender.

Ready to take the next step?