At Intercoastal Mortgage, we have an in-house team of experienced, award-winning loan officers who have helped lend over $1 billion and financed the dreams of countless people like you.
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.
Navigating the mortgage loan process doesn’t have to be time-consuming or stressful.
We believe an investment in knowledge pays the best interest. That’s why each member of Team Intercoastal brings a wealth of experience across a range of financing options. When you work with us, you’ll collaborate closely with a licensed professional who ensures you receive a competitive rate and a swift and simple housing loan experience.
When all is said and done, we strive to be your Minnesota mortgage lender of choice for years to come, wherever life takes you.
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!
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.
I needed a loan to go through the whole process & be ready to close in 3 weeks! Eric explained the entire process. He told me they would do everything they could, but I had a role to play as part of that team. This meant I had to keep up my part. Eric kept me in the loop & we closed in 3 weeks! Amazing group of people to work with!
Intercoastal My Mortgage is our simple and accurate in-house mortgage app, powered by SimpleNexus. SimpleNexus is the leading digital mortgage platform for loan officers, borrowers and real estate agents. The best-in-class, easy-to-use app connects loan officers to their borrowers and real estate agents from anywhere, allowing all parties to easily communicate and exchange data in a single location throughout the entire loan life cycle.
Security and accuracy are our top priorities. SimpleNexus has built strong security measures throughout their entire Digital Mortgage Platform. From providing a way to securely scan loan documents, to data encryption, and assuring the security of data in the cloud, SimpleNexus has you covered. Borrower data vulnerabilities, in transit and at rest, are managed with advanced mobile/web application and data center encryption. Submitting your information through Intercoastal My Mortgage is significantly more secure than emailing, faxing or mailing copies of your bank statements.
No one! Most of your account data, including your login credentials, is never accessible or visible to anyone – not even your lender or SimpleNexus employees. Protecting your privacy and the security of your accounts is our top priority.
To process your application and assess your ability to afford the payments required by your loan, your lender needs to verify what asset accounts you own and confirm their account balances. In addition, laws, regulations, and underwriting guidelines require lenders to evaluate things like monthly cash flow, size, and frequency of deposits and whether you have bounced any checks.
SimpleNexus securely transmits your account data in a digital report to the lender. This lets lenders make better and faster decisions, which can make credit cheaper and more available for consumers.
Your lender receives the documents you securely scan and upload, including W-2s, paystubs, bank statements, tax returns, and drivers license, along with other documents they may request to expedite your loan process. Because these documents are securely sent directly to the lender’s loan origination system, you never need to worry about phone or cloud hacks.
At a minimum, your lender will ask you to share data from your primary checking account, W-2s, paystubs, bank statements, tax returns, and drivers license, but may ask for additional documents to secure and expedite your loan.
There are a few possibilities. It’s possible that you made a mistake while entering your credentials, or that you are not using the right ones. You can always reset your password at the login page, using the email address you signed up for Intercoastal My Mortgage with. If all else fails, please contact your lender!
You can use Intercoastal My Mortgage from any computer or tablet. Simply navigate to the site as directed by your lender and login as prompted. From there, you can use the same functions as the mobile app: mortgage calculators, document sharing, and timely milestone updates.
If you were logged out or if your browser crashed before you finished, you can re-enter the Intercoastal My Mortgage system using the link in the original email you got from your lender. If that doesn’t work, contact your lender to request a new link.
Customers can utilize their single Intercoastal My Mortgage account to navigate between multiple loans and loan applications in their portal and accomplish the following:
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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