Intercoastal Mortgage, LLC - Headquarters Random Hills Rd, Fairfax

Chris Kearney, Senior Loan Officer and Brittany Cook, Loan Processor are some of the greatest people I have worked with. They work extremely diligently and take pride in their work. There were countless times through the home buying process where they went out of their ways to ensure I purchased my home. They’re always available to answer questions. I felt like someone had my back the entire process. If I had to buy every future house through them, I would consider it a blessing.

Chris and his team were great to work with. Solid service, excellent communication, and really felt like they did everything to get the financing that fit my situation. The process of buying a home went incredibly smoothly with all their help and advice. Would recommend them again in a heartbeat.

I had a complex mortgage situation where timing was crucial, and Jackie really came through for me! Clear in her communication and highly accessible, she made me feel as if I had a partner in a process that can be stressful and confusing. Highly recommend!

I cannot reccomend Billy Kinberg enough! He went above and beyond to ensure our refi helped us acheive our goals. Our loan was a long process and Billy gave great advice throughout. He took lots of time to ensure we were satsified and his team was also amazing. Quick to respond to questions and very easy to work with!

Jackie Wampler closed our construction loan in less than 45 days! It took a previous lender over 4 months to work our construction loan, and it never closed. Jackie has been great to work with.

Vince and his team were extremely professional and helpful beyond what we could have imagined! He made the process quick and pain free. We highly recommend Vince!

Sarah Stewart at MVB was so amazing to work with. I couldn’t imagine working with someone other than her. She put in a lot of work to help us, and was always super knowledgeable. I cant recommend MVB and especially Sarah Stewart enough. Overall i am Super pleased with my experience.

With lumber rates at an all time high, and the such an aggressive market I thought a construction to perm loan would be better option for me. To my dismay my lender, Senior Loan Officer Jacqueline R Wampler wasn't even worth the 7 min phone conversation that we had, nor the credit inquiry. I did an online application. Our first conversation  I receive no introduction, no alternatives, she didnt voluntarily provide any information to me, infact she didnt say anything to me other than i was on the other line ( there was a little phone tag going on). Our conversation consisted of her only answering the 5-6 questions i had, and she indirectly answered those question. When i asked if there was any flexibility on the loan amount  she said no, my DTI on the front end was 39% , i calculated 35% which she later confirmed. I also asked her about a conventional loan over a FHA she said well i didn't do conventional because your middle score was a 691 its need to be at least 710 ( although 620 is minium for conventional) and just flat out refused to give me the numbers for conventional loan. I asked about buying down the interest rate she said she couldn't say because the numbers can change which is something that other lenders had no problems answering. She also tried to tell me that using my land as a downpayment would equate to me having additional 22k which was a lie.  Maybe its because she felt like my loan should be backed by the government, and didnt think that i was knowledgeable or ask any questions. The next day i had followed up with her via email after playing with the numbers she gave because they didnt add up. Again she was very standoffish and indirect. I asked about the DTI of 39% and LTV. She says that internally they used a different numbers, that she used ( 4.25%  interest) incase the interest rate went up during the construction process which put my DTI at 39%. What's the point of even doing the pre- approval if its not an accurate depiction of where i stand ? My pre-approval had a rate of 3.25% which reflected a 35% front end DTI, so i didnt understand the relevance of her saying what they use internally. My LTV on pre- approval was 88%  which means that 22k didnt increase my buying power but just decreased the amount i would be borrowing from the bank which would decrease my DTI and mortgage payment but there was still no wiggle room for a higher loan. In essence she limited me a borrower in every aspect of the way and i was looking for some transparency. So I then ask if the rate does not go up during the construction would i be eligible for a higher loan? And she says no you would still get your pre- approval amount..... Lol okay Jackie, so you are telling me DTI is 39% just incase rates go up. But in the event that rates does not go up I would still only be eligible for the original approval amount? But FHA allow DTI to be 39% apparently! You want me to use a government backed loan because its  beneficial to you, but won't allow me to use the perks of FHA  to have leniency of have a higher qualifying ratio. I'll take my business else where too many red flags here, sounds like misrepresentation and deception if you ask me!  Nothing about my experience exceeded my expectations, I was not given any knowledge or understanding of the mortgage process,  and  Jackie most certainty was not proficient, concerned or proactive! Find you a lender that cares about helping thier clients and is willing to give you some guidance if need be.

Jeff and his Team are excellent, really professional and helpful. We had some unexpected bumps in our finances, and they help us through the process of deciding for the best option or us, and they helped us getting together all paperwork that was really hard for us to get. They save us time and money. We highly recommend Intercoastal Mortgage

Working with both Mike and Beth at Intercoastal mortgage has been a great experience! They have been attentive to my needs, responsive to my requirements and time constraints, and are knowledgeable of the standard processes as well as nuances involved in securing a mortgage to meet my needs. I will gladly work with them in the future and recommend them as a top tier loan servicer.

Colin’s attention to detail is unmatched. He was prompt, thorough, and personable. Our loan and financing process was seamless thanks to the work of Colin and his team. I am very glad we chose him and Intercoastal as our lender.

Colin and Intercoastal facilitated a smooth, fast close. As first time home buyers the process could have been stressful but Colin gave us confidence and support. Couldn’t recommend him more highly.

Jackie was great in dealing with our unusual situation. She showed patience and professionalism and I would absolutely recommend her for anyone seeking mortgage related business

My husband and I were referred to Vince Bacchi at Intercoastal Mortgage via a realtor friend. We reached out to Mr. Bacchi on Jan 6, 2022 to see what we could qualify for as first time home buyers. Mr. Bacchi instructed us to fill out an application online, he'd review it, and get in touch with us. We submitted the application that evening. It asked us what our employment history was and what our estimated income was. He had called my husband after "reviewing our application" and asked for our SSN's to run a credit check. After he runs our credit he requests 2 years of my husband's business tax filings and his schedules. It had been specified on our application that he started his business in April of 2021. He had worked under another local company for 8+ years prior. I sent an email back to Mr. Bacchi explaining that he doesn't have his tax filings because he hasn't filed his taxes for last year yet and hasn't been in business for two years. Mr. Bacchi responds with "Unfortunately we need 2 years tax returns on newly self employed borrowers. If you want to plan ahead for a future home purchase, do not let your accountant write off all the business profits. Yes that means paying taxes but it is the only way to derive income from self employed borrowers. We will be able to take another look at your file after you file the 2022 tax return. Call me if you have any questions. Thanks. Vince.". So, Mr. Bacchi ran our credit even though the application clearly stated he had only been self employed for a year. His credit took a 40+ point hit. He has worked hard on his credit the last 5 years and this type of unnecessary hit impacts his life and his business. When I reached back out to Mr. Bacchi expressing our frustration with the situation and seeing if there were other options, he did nothing to apologize or offer any type of rectifications. He essentially stated that the credit hit we took wasn't as bad as a credit card hit and that he doesn't see himself or any other lenders with any other options for us.

Jackie was just overall great! Very friendly and accommodating even when she was out of her office. She was so patient with all our questions even to the point that I think we were already annoying and repetitive. She was always very nice that you get comfortable even when already getting anxious with the loan processing. We are so thankful we were dealing with her throughout the whole loan , processing. Thank you so much Jackie!

Beth got us approved when another lender couldn’t! We are 1st time home buyers and this was a very long and trying experience and Beth kept us updated and made our experience a little easier, my husband and I can’t thank her enough!!!

Jackie was wonderful to work with. Anytime we had a question, she had an answer. Our overall experience with everyone with Intercoastal was GREAT!