Meet Our Team

Our Vision

As a trusted mortgage partner, we are committed to providing the highest level of customer service for the communities
we serve, while continuing the development of a world-class organization dedicated to helping others achieve the American Dream of home ownership. Utilizing strategic innovation and teamwork, it is Intercoastal Mortgage, LLC’s desire to make
the home buying process simpler, faster, and more accessible for all Americans.

We apply the following Core Values to our work lives daily and strive to embody them fully as we dutifully serve our clients.


Ed Dean


Peter Cameron


Sandra Coleman

Executive Vice President, Operations

Kevin Emerson

Executive Vice President, Human Resources

Rob Ross

Executive Vice President

Josh Cilman

Executive Vice President

Josh Burruss

Executive Vice President

Julie Horner

Executive Vice President, Process Engineering

Jonathan Kinard

Senior Vice President, Construction Group

Mya Tran-Harter

SVP, Construction & Senior Loan Officer

Matty Fitzgerald

Regional Manager & Senior Loan Officer

Kim Barnum

Regional Manager & Senior Loan Officer

Kearse Carpenter

VP of Quality Control

Stephanie Doughty

Vice President Mortgage Operations

Our Core Values


With pride and dedication, we are committed to staying together through thick and thin. We are a family that cares for each other and we recognize that one person’s success is everybody’s success. We offer products and streamlined experiences that fulfill our customers’ homeownership goals in a clear and transparent way, while delivering on the commitments we make
to them.


We cultivate excellence by challenging ourselves to consistently adapt and improve processes that streamline the loan experience for our clients. We strive to deliver an enjoyable experience through our unrivaled service and seek to inspire a fun environment where innovation thrives.


We trust the capabilities, character, and judgment of our colleagues. We strive every day to earn the trust of our clients and communities through honesty, transparency, and engagement.


We promote and support a diverse and unified team where all members encourage and support each other. We consistently seek to treat others as we want to be treated, which is reflected in our relationships with team members, partners, clients, and community.


We work as a team to achieve our goals and celebrate our successes. We value our differences and work together to create a workplace where everyone can contribute to the success of our company.

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

Tara Clarke
Tara Clarke
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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.
Ann Groat
Ann Groat
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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!
John Cooper
John Cooper
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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!

Your Home Journey Starts With Intercoastal Mortgage

INTERCOASTAL MORTGAGE team popup ed dean





INTERCOASTAL MORTGAGE team Peter Cameron hover



In the mortgage industry since 1985, I’ve experienced nearly every aspect of this business. I am still excited about the challenges and encouraged at each opportunity to help my clients make their dreams of home ownership come true. As President of Intercoastal Mortgage overseeing operations, I am not active in day-to-day loan originations, so I am focused on growing the company and taking us to the next level with products, systems, and adding more successful loan officers to our team!


Executive Vice President, Operations

Hi, I am Sandra Coleman, Executive Vice President of Operations, I have been in the mortgage industry since 1985 so I have seen all the highs and lows of this awesome industry.  My focus has always been on the Operations side and my goal is to ensure that Operations and Sales work with each other to achieve success.  Success to me is providing the best customer service to our borrowers and loan originators to get loans to the closing table as quickly and as efficiently as possible.  I was born and raised in Fairfax, VA and married for over 37 years to Rial, a retired Army Officer.  We currently live in South Carolina living our best life!   

Question: If you could have dinner with one famous person dead or alive, who would it be?

If I could sit down and have dinner with a famous person, I think it would be Clara Barton.  I was a Red Cross Volunteer while I was in high school and came to admire her and what she did for soldiers during the war so I would love to sit down and have a chat with her!

INTERCOASTAL MORTGAGE team popup Kevin new


EVP, Human Resources

Kevin came to Intercoastal from the banking industry with over 30 years of banking and financial services experience with the last 20 years in Human Resources. He is a results-focused leader who is responsible for leading ICM’s overall human capital and facilities administration strategy.

He has worked alongside our company leaders to build and manage our employee relations, creating a comfortable environment that reflects and supports our company’s needs while advocating for our Employees. He leads the Human Resource team in all aspects, including workforce development, talent acquisition, leadership development, employee relations, organization effectiveness, diversity & inclusion, compensation & benefits, and facilities.

His problem-solving and analytical skills have helped Intercoastal implement programs and services that foster an environment committed to attracting, developing,engaging,and retaining the best talent.Always future-ready, Kevin is dedicated to creating a corporate culture that offers our employees the tools to unlock their potential,contribute their best work,and drive business growth. He was key in implementing policies that have elevated ICM’s reputation as an employer of choice earning us the title of Best Place to Work 2022and 2023.

Question: If you could have dinner with one famous person dead or alive, who would it be?

Billy Graham –While not without controversy, Billy Graham was known for his ability to impact and influence huge crowds. He had a seat with many US Presidents. I think it would be interesting to understand why he did what he did,how he did it,and what he wishes he had done differently.



Executive Vice President, Production

Executive Vice President and Production Manager at Intercoastal Mortgage. I’ve been a top producer in the mortgage industry for over 21 years, currently responsible for managing and closing an annual loan volume of more than One- Hundred million dollars in residential real estate purchases and refinancing. Before getting into the lending side of the housing industry, I was a Production Manager for NVR Ryan Homes in Gainesville, Virginia. I am proud to be a Mountaineer and a native of West Virginia; I earned a Bachelor of Science degree in Finance from West Virginia University in 2001. I am as focused and dedicated to my career as I am to my family. I live in Ashburn (Brambleton), Virginia with my two children: Robbie and Emmelina (Emme). I enjoy spending time with my family and taking quick trips to sporting events and other seasonal activities.

Question: If you could have dinner with one famous person dead or alive, who would it be?

Jerry West or JFK



EVP, Production

Josh Cilman has been involved in the mortgage lending business since 2001. He began his career at Intercoastal Mortgage at the entry level, and then rose quickly through the ranks to serve as loan officer, senior vice president and finally executive vice president. Josh has successfully originated over $1.5 Billion in loans, and continues to be a top producer at ICM. But despite his success, Josh treats every client as if they were his first and only customers, keeping them informed and minimizing their stress throughout the process. Through his long career at ICM, he learned first-hand what’s involved with the application process and how to help clients avoid pitfalls. He’s also dedicated to answering his customers’ questions quickly and efficiently, so he stays available by cell phone even in the evenings and weekends.

Having grown up in Northern Virginia, attended George Mason University and lived in the area since the 1980s, Josh also understands the appeal of the region for his clients. More importantly, his background has given him insight into the region’s real estate market cycles over the last few decades, as well as where it may be heading. To provide an even greater level of service to his clients, Josh created the Cilman Group, a handpicked a team of seasoned mortgage banking professionals.

Question: If you could have dinner with one famous person dead or alive, who would it be?

Martin Luther King Jr.- I have always admired MLK’s perseverance in the face of incredible adversity.  At dinner, I’d want to learn more about what kept his spirits up and his drive strong during some of the darkest times in our country’s past.  While any comparison to the civil rights movement and the mortgage industry is absurd, the characteristics that made MLK the leader in one of the greatest movements in United States history can be applied to many aspects in life. 

INTERCOASTAL MORTGAGE team popup Josh Burruss


EVP, Production

Josh was born and raised in Northern Virginia and graduated with honors from Virginia Tech’s Pamplin School of Business.  He married his high school sweetheart Heather and is a father to three beautiful children (Noah, Lilliana, Sophia) and a pup named Daisy.  He has a 19 year old sister, a 22 year old brother and a 37 year old step brother.  He has this crazy family that is comprised of incredible people from all different walks of life. 

 He has a love for martial arts, hockey, golf, travel and comedy.  He has had his back broken and been held up at gunpoint.  After that thrilling experience, he spent several years training in the martial art of Krav Maga.  He played competitive hockey from a young age all the way through college.

 He grew up in and around the mortgage business, starting out at as an intern in college.  He earned the position of Chief Lending Officer by age 29 and was named Executive Vice President by age 34. As the Executive VP of Intercoastal Mortgage and the Chief Lending Officer, his role is critical in the daily management of his company, developing their suite of loan products and managing his personal origination team.  He runs his team like a family and finds a huge amount of joy watching them grow.

 He has a thirst for learning new things, spending time with the people he loves and laughing as much as possible.

Question: If you could have dinner with one famous person dead or alive, who would it be?

If I could have dinner with anyone dead or alive it would be my grandfather one more time.



EVP, Process Engineering

Julie has over 30+ years of P&L and Process Improvement experience across several industries.  She has a master’s degree in industrial engineering and is a certified Six Sigma Black Belt.  Having Loan Officer experience in the past, she joined MVB Mortgage in February 2020 as EVP of Process Engineering to assist with the merger of MVB and Intercoastal Mortgage Company.  Currently, Julie leads the Intercoastal Mortgage, LLC organization in process improvement efforts that focus on the customer experience and cycle time improvements.  Along with our partners at Lenderworks®, she works to focus across the mortgage process to implement innovative technologies that bring value to the customer and the organization.  Julie strongly believes in TEAMWORK and loves the saying, “It is amazing what a team can accomplish when the individuals don’t care who gets the credit.”

Question: If you could have dinner with one famous person dead or alive, who would it be?

He may not be famous to the world, but he was to me.  It is my dad.  After spending over 60+ years working as a Physical Therapist with disabled children (Easter Seals), he passed in 2016 at the age of 92.5 years.  He worked at least part-time doing physical therapy until he was 86 years old.  Quite a legacy…….



SVP, Construction Group

Jonathan Kinard is the Senior Vice President of Construction Lending at Intercoastal Mortgage where he oversees and manages the day-to-day operations of Construction Lending. Jonathan has spent his entire 25-year career working in Construction Lending providing support to loan officers originating construction loans and working to strengthen builder relationships while providing first class customer service to borrowers. Outside of the office, Jonathan and his wife, Lauren, are actively involved in their community with the organizations HomeAid National Capital Region, NVBIA, Vienna Little League, and Vienna Volunteer Fire Dept. Additionally, he volunteers to coach youth sports and is frequently seen cheering on his son Ryan and daughter Julia from the sidelines.

Question: If you could have dinner with one famous person dead or alive, who would it be?

Michael Jordan


Hi I'm MYA,

SVP, Construction & Senior Loan Officer

With more than 24 years of proven experience and as a leader in the mortgage industry, I have the ingenuity you need to build, buy, renovate, or refinance one of the largest monetary investments your family will make. Residential loans can seem like a complex landscape, but they don’t have to be. Let me be your tour guide.

As the team leader and founder of The Mya Group, I have selected every teammate with purpose. Each of us has a heightened commitment to elevating the client experience, while providing exceptional value.

Welcome to The Mya Group, a class of accomplished residential mortgage professionals working tirelessly for our clients.

INTERCOASTAL MORTGAGE Team Matty FitzGerald popup


Regional Manager & Senior Loan Officer

I’ve been in the business for over 28 years and have closed more than 3,500 home loans with more than $750,000,000 in total volume. From first time buyers to folks looking for their luxury dream home, my forte is guiding clients through the maze of financing options for buying or building the homes of their dreams.

Today, I’m responsible for our presence in the Southeast region, including: Wilmington NC, Greensboro NC, Charlotte  NC, Columbia SC
as well as the North Carolina Shore – and all points in between. Our goal is to provide the best mortgage lending opportunities we possibly can to our Carolina neighbors.

Question: If you could have dinner with one famous person dead or alive, who would it be?

It would be my father so I could listen to his advice and actually use it as I was not smart enough to listen to all his words of wisdom.



Regional Manager & Senior Loan Officer

My customers fully understand the mortgage options available to them to have confidence in making the financing decision that is best for them.

My customers are assured they qualify for a mortgage large enough to cover the home of their dreams – and that their monthly payment fits comfortably within their budget! I’ll provide a smooth loan process from start to closing.

It is my job to earn the opportunity to receive referrals from happy customers – when you choose to work with me, think of it as crossing the threshold on the best mortgage experience you will ever have!



VP of Quality Control

Kearse Lowe Carpenter has more than fifteen years’ experience working in the mortgage origination arena. She joined Intercoastal Mortgage, LLC. as the Vice President of Quality Control in February 2021. Prior to joining ICM, she supported the Mortgage Division at Capital Bank, NA. out of Rockville, MD for approximately eight years in a similar role. Her focus is mortgage loan quality control with focus on Community Fair Lending.

While working full time, she obtained her Bachelor of Science in Sports and Health Science Medicine. She also holds a certification in Massage Therapy. Some of her hobbies include painting and gardening. She enjoys giving back to friends and family by sharing therapeutic bodywork and her artwork.

Question: If you could have dinner with one famous person dead or alive, who would it be?

I have always loved history, especially the Tudor Monarchy. If I could have dinner with one person, it would be Queen Elizabeth I.

Queen Elizabeth I, the former Queen of England and Ireland, the last Tudor monarch. She reigned for 45 years and I would love to hear the history from her point of view. I want to ask her questions about her time as queen and her Father King Henry VIII and her mother, Anne Boleyn.

INTERCOASTAL MORTGAGE team Stephanie hover


VP of Disclosures & Compliance

My primary focus is on the Disclosure Desk, Compliance, and Set Up Group, which includes Appraisal & Title Ordering.  I have been in the mortgage industry since 2014. I have a 22-year background in the banking industry. I led the implementation of the Disclosure Desk Department as part of the TILA/RESPA Integrated Disclosure (TRID) rule in 2015. She is a native of Clarksburg, WV, where she currently resides.

Question: If you could have dinner with one famous person dead or alive, who would it be?

Walt Disney 

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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