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Jason Banks, Senior Loan Officer NMLS# 790483

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United States
Fairfax, VA
Jason Banks, Senior Loan Officer NMLS# 790483

I and Intercoastal Mortgage LLC is an equal housing lender. Please contact anytime. Intercoastal Mortgage LLC, is a full service mortgage loan company.

I like to think my primary job is to be there to counsel my clients through the complex steps required to purchase a home...and make it a very personal experience. Our mission is to provide an experience that exceeds expectations and we challenge ourselves every day to heighten our client’s knowledge and understanding of the mortgage process. Our business-savvy loan officers strive to be the most proficient, concerned, and proactive mortgage origination professionals in the industry.

03/13/2026

Mortgage terms can feel like a foreign language, so here’s a quick breakdown in normal human terms:

🏡 Escrow = a “homeowner piggy bank” for taxes + insurance
📄 Underwriting = the final approval process (the deep dive)
💳 DTI = how much debt you have compared to your income
📉 APR = the cost of the loan beyond just the interest rate
🔑 Closing costs = fees needed to finalize the purchase

No one is born knowing this stuff. Asking questions doesn’t make you “unprepared”… it makes you smart.

03/11/2026

A lot of buyers tell me: “I’m waiting until rates drop.” And I get it...rates matter. But here’s the truth: waiting can sometimes cost more than buying strategically.

Because while rates may change…
📈 home prices can rise
📈 competition can increase
📈 inventory can tighten

Sometimes the better plan is:
✔ buy the right home at the right time
✔ refinance later if rates improve

The best strategy is always personal, but don’t let the idea of a “perfect rate” keep you from exploring real options.

03/06/2026

A home isn’t just a mortgage payment. It’s birthday candles on the kitchen counter. It’s quiet mornings with coffee. It’s “we made it” after years of planning. The loan part matters (a lot)… but what you’re really building is stability, memories, and a space that feels like yours. If buying a home is a dream you’re working toward, you’re not alone and you don’t have to figure it out by yourself.

03/02/2026

March always feels like a fresh start. The days get longer, the weather starts warming up, and a lot of people begin revisiting goals they put on pause during the winter. If buying a home is on your 2026 list, this is a great month to start preparing—even if you’re not ready to move tomorrow.

Here are 3 simple “March moves” you can make now:
✔ Check your credit score
✔ Start tracking your monthly budget
✔ Get pre-approved so you know your true buying power

The best home buying timelines are the ones that start before the pressure hits.

02/27/2026

Winter sellers hear this a lot: “Wait until spring.” But that’s not always the best advice. ❄️ Serious buyers don’t stop looking just because it’s cold. Let’s talk strategy and timing.

02/25/2026

February is about love, commitment, and planning for the future 💭 It's still early in the year to set those selling or homeownership goals! It's never too late to start the conversation.

02/20/2026

And we are here to help you discover those options so you can get into that dream home before the new season starts. Let's talk and figure it out together.

02/19/2026

A pre-qualification is a quick estimate of what you might be able to afford based on self-reported information. A pre-approval, on the other hand, involves verifying your credit, income, and assets — giving you a stronger, more accurate buying power when you’re ready to make an offer. Knowing the difference matters because sellers take pre-approved buyers more seriously, helping you shop with confidence and move faster when you find the right home.

02/16/2026

This President's Day, we celebrate the opportunities and freedoms that make the dream of homeownership possible. 🇺🇸🏡 Intercoastal Mortgage is proud to help families build their future, one home at a time.

02/14/2026

Happy Valentine's Day! This year, let’s talk about falling in love with where you live ❤️ Whether you’re buying solo, with a partner, or for your family...home is where life happens. Ready to find the one?

02/12/2026

The best part of my job? Helping people turn “someday” into “we got the keys.” 🔑 If homeownership is a dream you’re holding onto, we can make it happen.

02/06/2026

🏈 Buying a home without a plan is like showing up on game day without a playbook. The winning strategy? ✔️ Pre-approval, expert guidance, and a lender in your corner. Let’s build your game plan.

Address

Intercoastal Mortgage LLC. NMLS 56323: 11325 Random Hills Road, Ste. 600
Fairfax, VA
22030

Website

https://icmortgage.icmtg.com/homehub/signup/[email protected]

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