Building or Renovating Your Home has Never Been Easier

At Intercoastal Mortgage, we offer a number of construction loans designed to fit your needs. Let’s chat about your loan options for new home construction.

Years of
Industry Experience
Loans Processed (and Counting)
100 k+
In Homes Financed Annually
0 Billion+
Loan Officers Ready to Support You
1 +
INTERCOASTAL MORTGAGE Construction planning img

Ready to Build Your Future But Unsure Where to Start?

When you’ve got a dream home in mind, it can feel frustrating when nothing on the market meets your expectations. And when finding your dream home feels impossible, renovating or building a new home from scratch becomes an exciting option.

From the total personalization that comes with a new home build to greater control over your finances, building a home from the ground up gives you a level of unmatched freedom. Choice of design, less competition to enter the market, fewer maintenance costs – the advantages of building your home are many.

The challenge is navigating the new home-build process while managing expectations and financial obligations.

Construction Loans are More Complex Than a Standard Mortgage

At first glance, getting approval for a construction loan appears similar to obtaining a mortgage. However, it comes with a few more requirements.

Many construction loans require excellent credit, stable income, a low debt-to-income ratio and a down payment. These obstacles can feel overwhelming when you’re ready to build your future, without loan officers who bring construction loan experience.

Whether you’re looking to finance the cost of land, labor, materials or permits, the right mortgage lender can turn obstacles into opportunities.

INTERCOASTAL MORTGAGE Construction complex

Intercoastal Mortgage helps take the stress and uncertainty out of building or renovating your home by expertly handling the process from start to finish.

Our construction lending team specializes in custom home and renovation financing solutions. From the vast knowledge of our experienced loan origination professionals, to our in-house processing and flexible underwriting, we’re here to support you throughout the build process.

We help you save time, save money and navigate the building or renovating process with peace of mind.

Transparent & Open Communication
We’ll guide you through every stage of the home ownership process so you know exactly what to expect and when to expect it.

Smart Financial Support
Avoid making mistakes that place you and your family under financial stress with safe, smart financing options tailored to you.

Flexible Financing Options
Offering a wide range of products, we’ll help you find the loan that meets your budget and lifestyle so you can get started sooner.

Home Loan Experts On Your Side
No need to stress about banks, agents or credit agencies – we deal with everyone so you don’t have to (seriously, everyone).

Seamless Construction Loan Solutions

At Intercoastal Mortgage, we follow a proven method to get you and your family the best construction financing possible. Our loan officers are experienced with construction loans and are aided by a dedicated construction department.

Just follow the framework that’s helped thousands of hard-working people turn their visions of a new home into a reality.


Complete An Application

We’ll help you submit a full loan application for pre-qualification with all required documentation.


Land Contract

Identify the desired lot and write a contract to buy it. If you already own the land, you can skip to the next step.


Build a Contract

Choose a floor plan and make selections to finalize your build then sign the contract with your builder.



We’ll order your appraisal based on your build contract and land contract (lot purchase).



Your loan approval is issued and your construction loan closing is scheduled. Get ready to break ground.


Construction Begins

Once the construction loan closes, your build begins! Funds are disbursed to your builder based on an agreed upon schedule.


Construction Ends

Construction is completed. With your new home ready, we’ll hand over the keys and you’re ready to move in!

We’ve Helped Thousands of People Wake Up in a Home They Love

INTERCOASTAL MORTGAGE testimonial Tara Clarke

Tara Clarke

Working with 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.

INTERCOASTAL MORTGAGE Careers testimonial tn

Ann Groat

I cannot recommend Intercoastal Mortgage enough! They went above and beyond to ensure our refi helped us achieve our goals. Our loan was a long process and ICM gave great advice throughout. They took lots of time to ensure we were satisfied, and the team there was also amazing. Quick to respond to questions and very easy to work with!

INTERCOASTAL MORTGAGE testimonial John Cooper

John Cooper

Working with Intercoastal Mortgage was so amazing! I couldn’t imagine working with another company other than ICM. They put in a lot of work to help us and were always super knowledgeable. I can’t recommend Intercoastal Mortgage enough. Overall, I am Super pleased with my experience!

Loan Officers Ready To Support You
10 +
In Homes Financed Annually
0 Billion+
Years Of
Industry Experience
Loans Processed (And Counting)
100 k+
INTERCOASTAL MORTGAGE horiz line overlap mobile


We’re Here to Guide You to Easier Home Financing

We Are a Direct Lender

Our loans are processed, underwritten and closed in-house so you can enjoy a faster, more seamless and stress-free process.

We Offer Flexible Financing Solutions

Access a range of loan options, including Conventional,
Non-Conventional, VA, FHA, USDA, jumbo, super jumbo, construction, renovation, and bridge loans.

We Have Industry Leading Experience

For over 35 years, we’ve been helping clients achieve their home purchase and refinancing goals, whatever financial situation they’re in.

We Treat You as a Real Person

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.

INTERCOASTAL MORTGAGE btm lead magnet mobile img wide

Find a Home Construction Loan Lender Today

Contact our dedicated and experienced Construction Group to learn more about construction loans, discuss current construction loan rates and for help choosing the path that’s best for your specific needs.

Privacy Policy

What does Intercoastal Mortgage, LLC,
do with your personal information?


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.


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


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
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


Call 571-266-6534 or go to

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.



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


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.


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