YOUR ULTIMATE FIRST TIME HOMEBUYER GUIDE
This resource is designed to walk you through the exciting yet complex journey of buying your first
At Intercoastal Mortgage, our loan officers tailor a loan program that’s right for you to help finance your dream home. We’ll help you understand your financing options so you can remove uncertainty and start building memories in your new home sooner.
We’ve been helping everyday people start exciting new chapters and open new doors since 1987. Wherever you are in your home buying journey, our mortgage professionals and refinancing experts are with you every step of the way to make the process easier, faster and more affordable.
Access our free mortgage calculators and resources.
Speak to a loan officer to better understand your options.
Secure the right loan product that best suits your needs.
Start the next chapter of your life in your home with confidence.
Buying a home is one of life’s most exciting milestones – but it can also be one of the most challenging. Whether you’re buying, building or looking to refinance your current mortgage, it can feel like your goal is out of reach with every passing day.
You might feel overwhelmed by the number of mortgage lenders available. Maybe the insecurity over your credit score is causing stress. Or, you feel paralysed and defeated trying to make sense of your current financial position in the face of ongoing market volatility.
If you can relate to any of these concerns, our loan officers can help guide you towards a solution and help you overcome anything that’s been holding you back.
The right mortgage starts with the right lender.
Planting roots and starting a new chapter of your life requires a trusted mortgage advisor who understands you. At Intercoastal Mortgage, we recognize the challenges of buying a home and stand by your side from start to finish.
Through competitive pricing and cutting-edge residential mortgage loan programs, we’ll help you confidently meet your home buying needs. At Intercoastal Mortgage, you’re not just another number or an account on a spreadsheet to us. As a real person with real hopes and dreams, we partner with you to provide flexible home loan options and deliver certainty when your finances and future feel unsure.
Our loans are processed, underwritten and closed in-house so you can enjoy a faster, more seamless and stress-free process.
Access a range of loan options, including Conventional,
Non-Conventional, VA, FHA, USDA, jumbo, super jumbo, construction, renovation, and bridge loans.
For over 35 years, we’ve been helping clients achieve their home purchase and refinancing goals, whatever financial situation they’re in.
We don’t treat you as a number or run you through an algorithm to find lenders. We’ll get to know you and provide personalized options to help you get into a home you love.
Are you looking to make a change? We’re seeking to partner with loan officers who want to build a rewarding career, enjoy industry-leading benefits and join a team doing things differently.
Whether you’re just starting or looking to take the next step in your journey, learn more about the advantages of being part of team Intercoastal.
This resource is designed to walk you through the exciting yet complex journey of buying your first
The Fed has cut interest rates for the first time in two years. NOW could be the
Fairfax, VA – June 26, 2024 – Mya Tran-Harter, Senior Vice President,Construction & Senior Loan Officer (NMLS ID#
It’s time you enjoyed the fast and worry-free finance you deserve. Find a loan officer near you today to learn more about your mortgage options.
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notce carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
Social Security number and Account balances
Payment history and Transaction history
Credit history and Credit scores
How?
All financial companies need to share Customers personal information to run their everyday business. In the section below, we list the reasons financial companies can share their Customers personal information; the reason Intercoastal Mortgage, LLC chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.
Does Intercoastal Mortgage, LLC share? Yes
Can you limit this sharing? No
For our marketing purposes — to offer our products and services to you.
Does Intercoastal Mortgage, LLC share? Yes
Can you limit this sharing? Yes
For joint marketing with other financial companies
Does Intercoastal Mortgage, LLC share? No Can you limit this sharing? We don’t share
For our affiliates’ everyday business purposes — information about your transactions and experiences.
Does Intercoastal Mortgage, LLC share? Yes
Can you limit this sharing? No
For our affiliates’ everyday business purposes — information about your creditworthiness.
Does Intercoastal Mortgage, LLC share? Yes
Can you limit this sharing? Yes
For our affiliates to market to you.
Does Intercoastal Mortgage, LLC share? Yes Can you limit this sharing? Yes
For non-affiliates to market to you.
Does Intercoastal Mortgage, LLC share? No Can you limit this sharing? We don’t share
To Limit Our Sharing
Call 703-449-6800 or
Visit us online:ICMTG.com/Opt-out
Please note: In you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
Intercoastal Mortgage, LLC
Questions?
Call 571-266-6534 or go to ICMTG.com/Opt-out.
Who We Are
Who is providing this notice?
Intercoastal Mortgage, LLC
What We Do
How does Intercoastal Mortgage, LLC protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also use procedural safeguards that comply with Federal standards to guard your non-public personal information.
How does Intercoastal Mortgage, LLC collect my personal information?
We collect your personal information, for example, when you:
Apply for a loan or
Provide account information or
Provide employment information or
Give us your contact information or
Give us your wage statements
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only:
sharing for affiliates’ everyday business purposes — information about your creditworthiness affiliates from using your information to market to you
sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
Our affiliates include companies such as Van Metre Companies and ERA Van Metre Properties, Lender Service Provider, LLC, Walker Title, LLC, Walker/Dominion Title L.C
Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
Intercoastal Mortgage, LLC does not share with non-affiliates so they can market to you
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Intercoastal Mortgage, LLC does not jointly market
Other Important Information
California residents only; we will not disclose or share information about California residents without first providing you with a California Privacy Notice honoring your choice unless such sharing or disclosure is permitted by applicable law.
Applying for a loan is always a no-cost action
We Only Send You Awesome Stuff =)
