Josh Cilman - Intercoastal Mortgage, LLC Random Hills Rd, Fairfax

Josh and team made it so easy to refinance. They kept me in the loop throughout the process, sent gentle reminders about paperwork, and made everything happen really quickly. This was my second time working with him and his team (they handled my original mortgage when I bought my house), and I wouldn't hesitate to use him again.

Josh and his team are first class. We worked with them on both our purchase loan and later a refinance. They were accessible and helped get us great deals while telling us the unvarnished truth throughout. I have referred at least five friends to Josh and their experiences have been equally positive. Could not recommend Josh and the Cilman team more highly.

The staff at Intercoastal is hard to beat. Very efficient. Forthright with explanations. Communicates promptly on any of our questions. Very knowledgable. We have used them multiple times and always with 5 star results. The staff is also very personable, accommodating and extremely pleasant. Purchasing and Refinancing are stress free with their style of conducting business. They have earned my trust. They will earn yours too.

I have worked with Intercoastal Mortgage twice now and Josh and the team were just fantastic. Very quick and easy process and he was always available to answer any questions. Highly recommended!

I have refinanced my home several times with the Cilman Group, and it is always an effortless process with great responsive communication and transparency. Josh and his team stay in constant contact throughout the process answering every question — no matter how big or trivial — quickly and accurately. You aren’t just an account number on file, but they know you and your situation by name, providing a personal touch to what could otherwise be a stressful process. I will use them again without hesitation and would recommend them to anyone purchasing or refinancing a home.

This is our third mortgage in a row with Intercoastal. We don't even bother to call anyone else anymore. The rates are good (I do check around), and the personal attention is FANTASTIC. Josh answered texts from a realtor helping us buy a property on a Sunday Mother's day, with no previous notice from us, and got the realtor the documentation she needed to help us put in a winning bid on the property THAT SAME DAY. Who else can or would do that?!?!?! Josh Cilman will. Intercoastal ROCKS, both Josh AND his support staff. You find a business like this that works tirelessly FOR YOU, and you stick with them. Intercoastal Mortgage is that kind of business.

Working with Josh and his team has always been a wonderful experience. He makes the process smooth and painless and takes care at every step of the way. I have worked with Josh on several refinancing of my home now, over the last 5 years, and would highly recommend him to anyone who seeks to go through the mortgage financing process.

Josh helped my SIL refinance. She had received an amazing deal on 15 yr loan. The process was quick and easy. Communication was great and we were able to close on her loan smoothly without any issues.

Josh and his team are outstanding. I have financed through Intercoastal multiple times and not once was anything less than perfect. In our most recent experience, we were doing a complicated, time sensitive, construction to permanent loan transaction. Josh and his team were the bright star in the whole home building experience, professional, dedicated and always delivering what they promise – an absolutely outstanding performance.

Josh was great! Emails were sent out explaining all aspects of the loan and milestones as they were completed. Loan App is easy to use and loan was approved way before closing date.