The first piece of the puzzle of home ownership is about more than just where you want to live, it’s about how much you can afford and how long your new home will be the perfect size and space to meet your needs. Whether you’re getting ready to purchase your very first home or you’re moving to a new area, it’s important to understand your mortgage options before making the plunge. Here are a few of the financing options we offer at Intercoastal Mortgage, LLC:
Fixed rate mortgages are highly desirable because the interest rate never changes for the entire life of the loan. We have a variety of fixed mortgage programs you can choose from, including:
If you’re looking for a loan that requires a steady payment each month with no surprises, a 30-year fixed rate mortgage is a great option. If you can afford to make higher monthly payments and want to pay your home off sooner, we also offer terms as short as 10 years.
*This product or service has not been approved or endorsed by any governmental agency and this offer is not being made by an agency of the government.
Are you stuck in a bad loan with a high interest rate? We may be able to help. We offer refinancing options that can potentially lower your monthly payment as well as your interest rate*, depending on your credit profile and financials. You might even be able to take equity out of your home to pay for unexpected expenses. To find out if you qualify to refinance your home, call our office and speak with one of our friendly mortgage specialists.
*By refinancing your existing loan, your total finance charges may be higher over the life of the loan. Please get in touch with us to discuss if refinancing is right for you.
Adjustable rate mortgages (ARMs) can be a great solution for homeowners that want to live in their current property for a short period of time (less than 10 years). Adjustable mortgages typically offer low interest rates for a predetermined period, after which they can increase. Our Adjustable rate mortgages have fixed rate periods from 3 to 10 years. Since ARMs are riskier than fixed mortgages, we’ll provide you with the information you need to decide whether this loan type is the best choice for you.
Do you have renovation goals for your home, or do you want to build a new home? If so, we can provide you with the financing necessary to construct, renovate, or rehabilitate your residence. Finding out if you qualify is a quick and easy process that comes with no obligation.
Our in-house processing and underwriting teams are exemplary within our industry: “complete and accurate” is the minimum standard for Intercoastal Mortgage, LLC. While the paperwork is moving though the lending process, your Loan Officer will provide guidance, answering your questions and keeping you informed of your loan’s status.
All the excitement of purchasing a new home and moving in is before you. Your Intercoastal Mortgage, LLC Loan Officer will guide you expertly through each step of the lending process, answering every question and concern.
Need more information? Ready to GET STARTED? Contact us today or reach out to your Intercoastal Mortgage, LLC Loan Officer by searching their name below.
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.
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