Business Details
14 Years
experience
Your Trusted Mortgage Partner in Cape Coral, FL
Island Coast Mortgage has been serving homebuyers and refinancers in Cape Coral, Florida since 2012. Our team of seasoned mortgage professionals combines decades of industry experience with cutting-edge technology to deliver personalized loan solutions. We specialize in navigating complex mortgage markets, offering competitive rates across multiple loan programs including FHA, VA, USDA, and jumbo loans. Our proprietary approval process reduces closing timelines by 30% compared to industry averages.With 89 five-star reviews highlighting our transparent communication and expert guidance, we maintain the lowest average interest rates in Southwest Florida through strategic lender partnerships. Our commitment to continuing education ensures compliance with evolving regulations while maintaining exceptional customer satisfaction scores.
Services
FHA Loan
VA Loan
USDA Loan
Jumbo Loan
Reverse Mortgage
ITIN Loan
Refinance
First Time Buyers
Manufactured Housing
No Income Documentation
Details
- Year established: 2012
Highlights and features
- We offer the lowest mortgage rates in the region through competitive lender bidding
- Fast approvals for competitive real estate markets with same-day pre-approvals
- Personalized mortgage plans developed by certified loan consultants
- 24/7 availability for client support throughout the loan process
- Experienced team with decades of combined expertise in Florida real estate
Associations and certifications
- NMLS
What people say
Outstanding work
First class service
Fast approvals
Knowledgeable expertise
Highly recommend
Services
FHA Loan
Federal Housing Administration insured mortgages designed for low-to-moderate income borrowers. These loans require lower minimum down payments and credit scores compared to conventional loans. Our specialists help first-time homebuyers navigate FHA requirements while securing competitive rates through our lender network.
VA Loan
Department of Veterans Affairs guaranteed mortgages for eligible service members and veterans. We streamline the VA loan process with dedicated specialists who understand military benefits. Our team handles unique documentation requirements while ensuring compliance with VA regulations and entitlement calculations.
Reverse Mortgage
Home equity conversion mortgages for homeowners aged 62+. Our counselors explain financial implications and eligibility requirements. We guide clients through HUD-mandated counseling and help select payment structures that meet retirement income needs while maintaining property ownership.
ITIN Loan
Specialized financing solutions for borrowers without Social Security numbers. Our experts assist undocumented immigrants and foreign nationals with ITIN-based loan applications. We verify alternative income documentation and connect clients with lenders offering competitive rates for non-traditional borrowers.
Refinance
Mortgage refinancing options to reduce interest rates, change loan terms, or access home equity. Our analysts evaluate break-even points and closing costs. We help clients determine optimal timing for rate-and-term or cash-out refinances using current market data and personalized financial assessments.
People
JB Broughton
Loan Officer
Certified mortgage expert with 15+ years experience in Florida real estate. Specializes in complex loan scenarios and first-time homebuyer programs. Maintains active NMLS certification and completes annual ethics training.
Lynn Torres
Loan Processor
Experienced loan documentation specialist with decade-long tenure in mortgage processing. Expert in VA and USDA loan requirements. Recognized for 98% accuracy rate in underwriting submissions and timely closing coordination.
Questions
What types of mortgage loans do you offer?
We offer FHA, VA, USDA, conventional, jumbo, reverse, ITIN, and specialized loans for first-time buyers and manufactured housing. Our loan consultants help determine the best option based on your financial situation.
How does the mortgage refinance process work?
Our refinance process starts with a loan analysis to determine savings potential. We help select the optimal loan term and rate type, then handle all documentation from application through closing within 30-45 days.
Can I get a mortgage without a Social Security number?
Yes, we offer ITIN loans for undocumented immigrants. These programs require alternative income verification through tax returns and bank statements instead of traditional Social Security number-based applications.
What is the VA loan funding fee?
VA loans require a funding fee between 1.4% and 3.7% of the loan amount, which can be rolled into the mortgage. Exemptions apply for veterans receiving VA disability compensation.
How quickly can you close a mortgage?
Our average closing time is 28 days from application, with expedited options available for cash buyers or sellers requiring quick closings. Same-day pre-approvals help buyers compete in multiple-offer situations.
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