Business Details
39 Years
experience
Your Trusted Mortgage Partner in Reston, VA
At Intercoastal Mortgage, we specialize in tailoring mortgage solutions to meet the unique needs of each client. With over 35 years of industry experience, we have established ourselves as a trusted direct lender, offering a comprehensive range of loan programs including conventional, FHA, VA, USDA, jumbo, and construction loans. Our team of seasoned professionals is dedicated to guiding clients through every step of the home financing process, ensuring transparency, efficiency, and personalized service. We pride ourselves on treating every client as an individual, not a number, and have built a reputation for delivering seamless mortgage solutions that align with our clients' financial goals.Our commitment to innovation and customer-centric practices has enabled us to assist thousands of individuals in achieving homeownership, refinancing, and investment property financing. Headquartered in Reston, Virginia, we serve clients across multiple states, combining local expertise with national resources to provide exceptional service.
Services
First-Time Home Loans
Refinance Options
Construction Financing
Investment Property Loans
Jumbo Loans
Details
- Year established: 1987
Highlights and features
- We are a direct lender with in-house processing, underwriting, and closing for faster service.
- We offer flexible financing solutions including conventional, FHA, VA, USDA, and jumbo loans.
- We have over 35 years of experience helping clients achieve homeownership and refinancing goals.
- We treat you as a real person, providing personalized options tailored to your unique needs.
- We have a proven track record of helping thousands of clients secure their dream homes.
Associations and certifications
- NMLS
What people say
Attentive to needs
Responsive requirements
Knowledgeable processes
Super knowledgeable
Quick to respond
Services
First-Time Home Loans
Intercoastal Mortgage specializes in first-time home loans designed to make homeownership accessible. Our flexible financing options include low down payment programs, competitive interest rates, and personalized guidance to help navigate the mortgage process. We focus on educating clients about their options, ensuring they understand each step from pre-approval to closing. Our team works closely with first-time buyers to address unique challenges such as credit score concerns or limited savings, providing tailored solutions that align with their financial circumstances and long-term goals.
Refinance Options
Our refinance solutions help homeowners lower monthly payments, reduce interest rates, or access equity for renovations or debt consolidation. Intercoastal Mortgage offers conventional refinancing, FHA streamline, VA IRRRL, and cash-out options. We evaluate each client's financial situation to determine the most beneficial refinance strategy, considering factors like current market conditions, equity position, and long-term objectives. Our streamlined process ensures minimal disruption while maximizing savings and financial flexibility for homeowners seeking to optimize their mortgage terms.
Construction Financing
Intercoastal Mortgage provides specialized construction loans for building custom homes or major renovations. Our construction financing includes step-by-step funding disbursements, competitive rates, and dedicated support throughout the building process. We work with contractors and clients to ensure funds are released according to project milestones, minimizing financial risk. Our team guides borrowers through land acquisition, budget planning, and permanent financing conversion, ensuring a seamless transition from construction to long-term mortgage solutions tailored to their new home's value.
Investment Property Loans
We offer tailored financing for investors purchasing rental properties or expanding their real estate portfolios. Our investment property loans feature flexible qualifying criteria, including consideration of rental income potential and debt-service coverage ratios. Options include conventional non-owner-occupied mortgages, portfolio loans, and bridge financing for multiple property acquisitions. Intercoastal Mortgage's experts help investors navigate unique challenges such as higher down payment requirements and stricter credit standards, providing strategic advice to build wealth through real estate investments.
Jumbo Loans
Our jumbo loan programs cater to clients financing high-value properties exceeding conventional loan limits. These loans offer competitive rates, flexible terms, and customized underwriting to accommodate unique financial profiles. Intercoastal Mortgage specializes in jumbo financing for luxury homes, unique properties, and high-cost markets. We provide personalized guidance on documentation requirements, down payment options, and rate-lock strategies to ensure clients secure appropriate financing for premium real estate investments while maintaining financial stability.
People
Ed Dean
CEO
Ed Dean founded Intercoastal Mortgage with a vision to simplify home financing. With decades of industry experience, he leads strategic growth initiatives while maintaining a client-focused culture. Dean prioritizes innovation and teamwork to enhance mortgage accessibility.
Peter Cameron
President
Peter Cameron oversees operations and expansion efforts at Intercoastal Mortgage. With a 35+ year career in finance, he focuses on product development and team growth. Cameron emphasizes operational efficiency and customer satisfaction in mortgage services.
Sandra Coleman
Executive Vice President, Operations
Sandra Coleman manages mortgage operations with 35+ years of industry expertise. She ensures seamless collaboration between sales and operations teams to expedite loan closings. Coleman prioritizes exceptional service for borrowers and loan officers across multiple states.
Josh Cilman
Executive Vice President, Production
Josh Cilman leads production teams with $1.5B+ in career loan volume. He focuses on client education and market expertise, maintaining availability to clients 24/7. Cilman's regional knowledge enhances service for Virginia and DC-area homebuyers.
Kevin Emerson
Executive Vice President, Human Resources
Kevin Emerson drives talent development and company culture at Intercoastal Mortgage. With 20+ years in HR leadership, he implemented programs that earned 'Best Place to Work' recognition. Emerson fosters an inclusive environment supporting employee growth and business success.
Questions
What mortgage loan types does Intercoastal Mortgage offer?
We provide conventional, FHA, VA, USDA, jumbo, super jumbo, construction, renovation, and bridge loans tailored to various homebuying and refinancing needs.
How does Intercoastal Mortgage support first-time homebuyers?
We offer low down payment options, credit counseling, and personalized guidance to help first-time buyers navigate financing challenges and secure affordable mortgages.
Can I refinance my mortgage with bad credit?
Our team evaluates individual circumstances to find refinancing solutions, including options for improving credit profiles and leveraging equity to qualify for better terms.
What areas does Intercoastal Mortgage serve?
We operate in Virginia, West Virginia, Maryland, North/South Carolina, Florida, DC, and additional states through licensed loan officers in over 20 cities.
How quickly can Intercoastal Mortgage close a loan?
Our in-house processing enables typical 30-45 day closings, with expedited options available for qualified borrowers needing faster transactions.
Do you offer construction loans for custom homes?
Yes, we provide step-by-step construction financing with dedicated support for land acquisition, building phases, and permanent mortgage conversion.
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