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Residential Lending

Incom Capital is pleased to offer flexible owner occupied and residential investment programs for the purchase &  re-finance of the following property types: 

  • Single Family Homes

  • Two to Four Units

  • Apartments & Condos

Rates shown are NOT available to consumers
Interest rates & data are provided by FHLMC
Incom Capital is not responsible for accuracy

Programs Available:

Conventional mortgages typically have a slightly higher down payment than government loans; but normally provide more flexibility with fewer restrictions.
  • Conforming & Non-Conforming
  • 1st and 2nd Lien Combos
  • Gift Funds Allowed



FHA & Government

Loan Programs

The FHA has been insuring mortgages since 1934. FHA loans are backed by the Federal Housing Authority and have flexible income, debt and credit options, including:
  • Low Down Payments
  • Down Payment Assistance
  • Multiple Borrowers Allowed
VA loans are guaranteed (not insured) by the Veteran's Administration, thereby making the VA Loan one of the lowest cost mortgages available in the market today.
  • Purchase With 0% Down
  • No Private Mortgage Insurance
  • No Pre-Payment Penalty

VA Financing for

U.S. Veterans

Reverse Mortgage
Programs (Age 55+)

If you're over 55 years old and have worked to build equity in your home, now it may be time to use the value in your home to help finance your lifestyle.
  • Create Monthly Income
  • Payments Received are Tax-Free 
  • No Restriction on Use of Funds
Corporate NMLS #1874205
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