NMLS #2288114  |  Mon to Sat, 8 a.m. to 8 p.m. Pacific888-699-5777
Ibex Capital Mortgage

Home loans, minus the guesswork

Purchase, refinance, VA, FHA, jumbo and investor loans, with a loan officer who explains the numbers before you commit.

Get pre-qualifiedCall 888-699-5777

Licensed in California, Colorado, Montana, Texas and Florida. Partner lenders in every other state.

Estimate your payment

$0

For illustration only. The rate you enter isn't an offer; your actual rate, APR and payment depend on your credit, loan type and property.

Loan options

Conventional loansThe most common home loan, not backed by a government agency.FHA loansInsured by the Federal Housing Administration, FHA loans make it easier to buy with a smaller down payment or less-than-perfect credit.VA loansFor eligible veterans, service members and some surviving spouses.USDA loansZero-down financing for homes in eligible rural and suburban areas, backed by the U.S.Jumbo loansFor loan amounts above the conforming limit, common in high-cost areas like coastal California and Colorado resort towns.RefinancingLower your rate or payment, shorten your term, switch out of an adjustable rate, or take cash out of your equity.DSCR & investment loansQualify for a rental property based on its rent, not your personal income.First-time buyersLow-down-payment loans, down payment assistance and a clear walk through every step.Renovation (203k) loansBuy or refinance a home and finance the repairs in one loan.

How it works

  1. Pre-qualify

    A one-minute form, no credit check. A loan officer calls to talk through your goals.

  2. Compare

    We show you loan options side by side with rate, APR, payment and cash to close.

  3. Apply securely

    Upload documents through our secure application, never by email.

  4. Close

    We keep you updated through appraisal, underwriting and signing.

Behind on your mortgage?

If you've missed payments or received a foreclosure notice, act now. Call your servicer, and see our guide to loan modification and foreclosure options. For credit card or other debt, Debt Relief Path can connect you with settlement companies and bankruptcy attorneys.

Common questions

Which states does Ibex lend in?

Ibex is licensed in California, Colorado, Montana, Texas, Florida. If your property is in another state, we'll refer you to an independent lender licensed there.

Will getting pre-qualified hurt my credit?

No. Our pre-qualification form doesn't pull credit. A credit check happens only when you choose to apply, and we'll tell you first.

What do I need to apply?

Usually recent pay stubs, two years of W-2s or tax returns, two months of bank statements and a photo ID. Self-employed borrowers and investors have other options.

How long does it take to close?

Most purchases close in about 30 days. Refinances can be faster.