Serving Your Mortgage Needs with Integrity & Transparency

Our Passion is to save you Money

The Price Leader

We Pride Ourselves With Having the Lowest Rates

  • We have strong relationships with an array of investors, enabling us to offer the sharpest pricing at any point in time.

  • Since our company’s mission is to improve borrowers’ financial situation, our business model is predicated on operating with the slimest profit margins feasible.

  • We are not burdened with expensive legacy systems, nor layers of management bureaucracy, both of which have the impact of increasing borrower’s cost. We pass our cost savings to our borrowers.
The net result is we will not be undersold.  Take 5 minutes to verify -  It may be the most rewarding 5 minutes you will spend all year!
Call Us Now (888) 853-6390
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99 %
Target Satisfaction Rate
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About Us

Integrity Capital LLC

Mortgage lender. Vision for company is offering competitive low mortgage rates, exceptional service, transparency, timely communication, with honesty and integrity, and to educate borrowers’ financial literacy. Mission also includes contributing a portion of net earnings to charitable organizations.
  • Cash-Out Refinance
  • Rate-Term Refinance
  • Mortgage For A Home Purchase
25 +
Happy Customers
436 +
Completed Cases
Call Us Now (123) 456-7890
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99 %
Success Rate
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Personalized Service

We Treat You as an Individual, Not as A Statistic

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We do not take a "one-size fits all" approach with our clients. Instead, we take the time to understand each customer’s unique needs and circumstances. With this information we are better prepared to determine which of our many products is the best solution for you.

We understand the importance of communication and dependability throughout the entire loan process. We take your transaction seriously and will keep you informed each step of the way. Avoidable delays is not acceptable to us.

One of our goals is to educate and inform borrowers during the transaction to improve financial literacy which has long-lasting benefits throughout their life.

We focus on the long-term relationship, not a single transaction.

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99 %
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Transparency

  • We provide complete and honest transparency with before and after comparisons on all the key terms for a loan. We make it clear whether the transaction does, or doesn’t, benefit you.  Any lender who will not provide this information should be avoided at all costs.

  • If a transaction does not benefit the borrower, we won’t do it – Period!
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99 %
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Integrity Capital llc

Tools / Calculators LLC

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

What to Look for In a Lender

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Choosing a lender with experienced loan officers is crucial to ensuring a smooth and successful mortgage process. Many of the largest lenders employ an army...

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It's essential for borrowers to shop around for the best mortgage rates, as rates can vary significantly across lenders. Some lenders spend an exorbitant amount...

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When selecting a mortgage lender, it's crucial for borrowers to consider the depth of the lender's product offerings. A lender with strong relationships across...

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s...

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s...

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s...

Empower Yourself with Knowledge

Key Terminology

Are you shopping for a house but wondering what your price range should be? You don’t have to go to a lender and check your credit to get a ballpark idea. The income you need to buy a home will depend on your location, income, and debt-to-income (DTI) ratio. Lenders often have DTI requirements for how much income is required to pay for a mortgage. This often ranges from 28% to 45%, depending on a few factors. The lower the DTI, the higher the income requirements. Income requirements may also be lowered if you have more money for a down payment. After that, you can see how much room you have in your budget to take on a mortgage.

How Does a Mortgage Work?

A mortgage is a loan that’s used to purchase a home or a piece of property. It’s a secured loan. The borrower and the lender agree that the home itself serves as collateral. This means that the lender can take it from you if you don’t repay the loan.

Mortgages usually refer to home loans, but they can also be taken out for other types of land or property purchases. A mortgage that’s known as a refinance lets you borrow money against the value of your existing home.

What Type of Mortgage Should I Get?

Imagine that you’ve decided to buy a home and are ready to get preapproved for a mortgage. But once you start researching, you find there are many different types of home loans to choose from, each with its own requirements, benefits, and downsides. How can you decide which type of loan is best for you?

Before you take out a mortgage, it’s important to understand the different options available and how they may work with your situation. We’ll explain the different types of mortgages and what factors to consider when choosing your best option.

Low-Income Home Loans: What Are Your Options?

“Two ways for borrowers to improve their chances of qualifying for and obtaining an FHA or any other loan is to limit their delinquencies and ensure their down payment is saved in a bank account,” said Jeff Gravelle, chief product officer at mortgage lender NewRez. 

He recommends doing your research and working with a mortgage expert to learn about the options you may qualify for. For example, FHA loans require down payments but require you to buy a home in a designated rural or revitalization area, so it’s a good fit if you want the freedom to choose where you live. But if you’re a full-time first responder or teacher and you can’t save up a down payment, you may want to consider a Good Neighbor or USDA loan.

What Is a Promissory Note?

A promissory document identifies the terms of a loan agreement, the lender, and the borrower. It cites how much money is being borrowed and the frequency and amount of required payments. A promissory note should also indicate the interest rate being charged and the collateral, if any. It should include the date and place where the note was issued. It should also include the signature of the borrower.

What Is a Deed of Trust?

A deed of trust is an agreement between you—the homebuyer—and your lender. It states that you’ll repay the loan and that a third party will hold legal title to the property until you do. This third party is known as the “trustee.”

A deed of trust is the security for your loan. It is recorded in the public records. If a state requires it, borrowers must agree to sign the deed of trust if they want to take out a home loan, just as they would have to do to sign a mortgage in another state.1

What Is a Title Search?

A title search is usually performed by a title company or attorney on behalf of a buyer, according to Lukasz Kukwa, a real estate advisor with Coldwell Banker Realty in Westfield, N.J. It involves digging through public records such as court documents and deeds to verify that the current owner of a property is, in fact, the legal owner and has the right to sell it.

“A title search also ensures there are no claims or liens on the property that need to be addressed before the sale,” Kukwa said. That can include unpaid property taxes, association fees, bills for home improvement projects, and other types of credit or loan defaults that could become the buyer’s responsibility if they are not identified prior to the sale.

Testimonials

What Our Clients Say About Us

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“After weeks of scouring the internet like a bargain hunter on Black Friday, I was convinced I’d found the lowest mortgage rate out there. Then I came across Integrity Capital. Not only was their rate substantially lower—talk about a pleasant surprise—but they also provided side-by-side comparisons of the other offers I’d collected. It felt like I was getting a free education on mortgage lending, minus the confusing jargon!
What really sealed the deal for me was their no-pressure approach and open communication. They let the numbers do the talking, which was a refreshing change from the sales pitches I’d encountered elsewhere. And to top it all off, knowing that a portion of their profits goes to charity made me feel even better about my decision. It’s not every day you find a lender that saves you money and makes you feel good about where your money is going!”

– Jason Brown
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“Integrity Capital truly went above and beyond to help me secure my mortgage.  I had been turned down by several other lenders due to some credit issues, but Integrity Capital took on the challenge without hesitation. They worked diligently to find the right solution for me, ensuring that I received a competitive rate despite my circumstances. The team was incredibly patient and understanding, always treating me with respect and keeping me in the loop with clear and consistent communication. When it came time to close, they made sure everything was ready and completed on schedule. I’m so grateful to Integrity Capital for their dedication and expertise—I wouldn’t be in my new home without them!”

– Mark Wilson
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“I was initially considering a cash-out refinance and reached out to Integrity Capital for assistance. To my surprise, after reviewing my situation, they advised against it. Instead, they recommended waiting or considering a smaller second lien, as it wasn’t in my best financial interest to go through with the cash-out refinance at that time. I was incredibly impressed by their honesty and integrity—they truly put my needs first rather than pushing me into a deal that wasn’t right for me. It’s rare to find a lender who prioritizes their clients’ well-being over making a quick sale. I highly recommend Integrity Capital for their transparency, expertise, and genuine commitment to doing what’s best for their clients.”

– Jessica Martinez
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“I couldn’t be happier with my experience working with Integrity Capital. From start to finish, the entire process was smooth and stress-free. They offered me incredibly competitive rates compared with other quotes received, which significantly lowered my monthly payment. The team was always courteous and professional, taking the time to explain every detail and answer all of my questions. Communication was excellent throughout, with regular updates so I always knew where we stood. Best of all, they closed the transaction right on time, exactly as promised. I highly recommend Integrity Capital to anyone looking for a reliable and customer-focused mortgage lender!”

– Heather Young
Mortgage Mentor Blog

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