InterContinental Capital Group’s “Lending Made Easy” Website Increases Loan Applications by 200 Percent

•September 21, 2011 • Leave a Comment

Direct mortgage lender InterContinental Capital Group (ICG) recently saw its loan applications jump 200 percent, a figure which becomes even more significant when noted that the company launched its “Lending Made Easy” website just prior to the growth.


The “Lending Made Easy” platform restructures and simplifies the application process, which in turn makes the approval process more efficient as well, while providing superior individual client education and service.


“ICG was founded on the belief that home financing can and should be a simple and straightforward process,” said Dustin DiMisa, ICG’s President. “We’re here to help buyers get answers, get financed, and get to closing quickly.”


ICG’s “Lending Made Easy” platform focuses on four key steps in streamlining the financial process:

1.         An online application drastically reduces the amount of time clients have to spend filling out their mortgage requests. Similarly, it cuts overhead costs within the company itself, allowing ICG to give their clients additional savings.

2.         Local ICG affiliates are available throughout the United States to help clients understand their options and find the loan that best suits their needs. Clients have unlimited access to their loan officers, all of whom maintain a thorough understanding of the local housing market.

3.         ICG understands the importance of realistic financial options. To that end, the organization develops logical underwriting to create a customized mortgage plan for each individual and family.

4.         Lastly, ICG’s status as a personal, independent bank guarantees that every client is valued. Likewise, a smaller client base enables ICG to provide quick turnaround time on approvals, with many loans expedited in as little as two weeks.

“Stricter lending regulations and a down economy have discouraged too many Americans from applying, let alone buying. Our clients are thrilled to find they can get a home loan, and it’s a lot friendlier, easier, and faster than they expected,” DiMisa said. “We believe in educating clients on their options. Our loan officers understand what we’re looking for in an applicant and they understand what’s happening in your local housing market. They’ll guide you through every step… ‘Lending Made Easy’ is really about ‘easing’ the worries and frustrations of our clients.”


To apply for a home loan through the “Lending Made Easy” process, visit


The Benefits of Home Refinancing by Dustin DiMisa

•June 23, 2011 • Leave a Comment

For many homeowners, mortgage refinancing can provide a valuable opportunity to adjust the terms of their original loans. Here are some of the most common benefits to refinancing a home:

1. Securing a lower interest rate. The interest rate helps determine the monthly sum that homeowners pay toward their mortgages, so refinancing may result in lower payments. Along with prevailing market conditions, personal factors, such as improved credit ratings, can play a significant role in obtaining lower rates.

2. Eliminating private mortgage insurance (PMI). Homeowners who make a down payment of less than 20 percent of their new home’s value may be required to pay PMI, which was designed to protect lenders against loss. If homeowners have increased their equity in their houses since then, refinancing can eliminate the additional insurance payment.

3. Changing the term of the mortgage. Refinancing allows homeowners to shorten or lengthen the durations of their mortgages, both of which may yield certain benefits. Shortening mortgages from 30 years to 15 or 20 years, for instance, speeds up the payment process, reduces the amount paid in interest, and often carries lower interest rates. Lengthening the payment period, on the other hand, will lower the monthly payment but increase the total cost of interest.

4. Changing the type of the mortgage. For homeowners with adjustable-rate mortgages, which tie the monthly payment to a market interest rate, refinancing can provide an opportunity to choose better terms or switch to a fixed-rate loan.

5. Obtaining funds through cash-out refinancing. In its most basic form, refinancing involves creating a new mortgage to pay off the balance of one or more existing home loan(s). A cash-out refinance allows homeowners to access additional funds by taking out a loan that exceeds the amount needed to pay the original mortgage.

About the author:

Dustin DiMisa possesses nearly a decade of professional experience in residential real estate lending. He currently serves as President of InterContinental Capital Group, a mortgage lender based in New York City and approved by the Federal Housing Administration.

Home Loan Options From the Federal Housing Administration

•May 12, 2011 • Leave a Comment

By Dustin DiMisa

A United States government agency, the Federal Housing Administration (FHA) has for the last 85-plus years insured residential building loans and offered homeowners manageable home mortgage options. As President and Manager of InterContinental Capital Group, my colleagues and I work closely with the FHA to provide individuals with poor credit or low incomes access to low-rate home loans or refinancing. The FHA supplies flexible and diverse loan options used by homeowners and buyers for a variety of purposes, such as buying, refinancing, or improving a property.

Best known for its first-time home buyer mortgages, the agency can provide qualified first-home applicants with 96.5 percent financing following a 3.5 percent down payment. Other FHA mortgages finance fixer-upper homes that borrowers wish to improve themselves. These loans and others target occupants only, not investors, landlords, or third parties not residing or intending to reside in the house. Another type of FHA mortgage, the FHA Home Equity Conversion Mortgage, allows borrowers 62 years of age and older to transform their home’s value over time into cash. In most cases, homeowners pay this specific home loan off when they pass away or sell the property.

The FHA’s manufactured homes loan, also known as the Title I loan, targets borrowers purchasing prefabricated homes. Title I loans cover the cost of the house itself, the cost of a piece of property on which to place the home, or both. Maximum Title I loan amounts strictly covering the amount of the house were recently capped at almost $70,000. Title I loans for a combination of property and prefabricated house run as high as $93,000. These loans last from 15 to 25 years, depending on the situation. Read about other Federal Housing Administration loans online at

Dustin DiMisa’s Blog

•March 28, 2011 • 1 Comment

Hello and welcome to my blog!