Necap represents over 50 different lenders, working with them, "on a wholesale level" to help its clients custom-tailor a mortgage plan with the most affordable rates possible. It guarantees to match or beat any loan program offered by a recognized lender of your application fee will be refunded. The company offers 100% financing, no money down options for qualified clients as well as perks like free home security systems for buyers, relocation assistance for spouses, etc. Appointments are available seven days a week and you can apply online as well.