Get a Rate Quote, Terms & Fees in 3 Minutes or Less
As a direct correspondent lending company, we ensure timely closings and the most competitive market rates available through one single point of contact. ICS funds loans which are sold or assigned to hundreds of national lenders and investors.
OUR FAST & EASY PROCESS
Search 500+ loan programs online and select the best financing program for you.
Submit your loan request and get an instant Good Faith Estimate & Pre-Approved Loan Offer.
Review your Good Faith Estimate in detail, including rate, terms, fees, and funding conditions.
Accept your ICS Loan Offer and Funding Agreement. ICS begins processing your loan through your scheduled closing date.
Bridge loans, often referred to as Hard Money loans, can close in 2-3 weeks. No minimum credit score requirement. Used to stabilize properties. Less documents and fewer underwriting requirements.
Permanent loans are offered by banks and private money lenders and can close in 45 to 60 days. 650+ credit score required. Used for stabilized properties. 2-3 years tax returns required for most permanent bank loans. Private money permanent loans have less document requirements.
Fix & Flip loans are non-bank loans and can close in 2-3 weeks. 600 minimum credit score required. 10% to 15% down payment required for purchase fix and flip transactions. Experience required in most cases, or substantial cash reserves.
New construction loans are offered by banks and can close in 45 - 60 days. 650+ credit score required in most cases. Minimum 20% down payment required for new construction purchase transactions. Minimum 20% cash contribution to total costs.
SBA Business loans can close in 45 to 60 days. 650+ credit score required. Used to purchase or refinance properties owned by business owner. Owner must occupy 51% or more of the total property SF.