Team Hamandi at Intercoastal Mortgage

Team Hamandi at Intercoastal Mortgage Team Hamandi at Intercoastal Mortgage is committed to serving clients' mortgage financing needs with great care, timeliness and professionalism.

Branch NMLS ID # 56323
Texas Complaint Notice: https://icmtg.com/texas-complaint-notice/

Ever heard the term "Debt-to-Income Ratio" (DTI) and wondered what it means?Your DTI compares your monthly debt payments...
06/11/2026

Ever heard the term "Debt-to-Income Ratio" (DTI) and wondered what it means?

Your DTI compares your monthly debt payments to your gross monthly income. It's one of the factors lenders use to determine how much home you may qualify for.

The good news? You don't have to figure it out alone. A mortgage professional can help you understand your numbers and explore options that fit your financial goals.

Don't just think about today's home prices—think about tomorrow's. Homeownership is a long-term investment, and getting ...
06/08/2026

Don't just think about today's home prices—think about tomorrow's. Homeownership is a long-term investment, and getting started sooner can make a meaningful difference over time.

Homeownership isn't just about having a place to call home—it's about building a stronger financial future. As you pay d...
06/03/2026

Homeownership isn't just about having a place to call home—it's about building a stronger financial future. As you pay down your mortgage and your home's value appreciates, you build equity that can become one of your most valuable assets. It's one of the many ways homeownership helps create lasting wealth over time.

The right house gives you more than shelter — it gives you a place where memories are made, milestones are celebrated, a...
05/28/2026

The right house gives you more than shelter — it gives you a place where memories are made, milestones are celebrated, and life happens. 🏡✨

At ICM, we’re honored to help families find not just a house, but a place to truly call home. Whether you’re buying your first home, upgrading, or starting a new chapter, we’re here to guide you every step of the way.

Home is more than four walls — it’s where your story begins.

Today, we pause to honor and remember the brave men and women who made the ultimate sacrifice in service to our country....
05/25/2026

Today, we pause to honor and remember the brave men and women who made the ultimate sacrifice in service to our country.

At Intercoastal Mortgage, we are grateful for the courage, selflessness, and dedication of our fallen heroes and the families who carry their legacy forward. Their sacrifice has helped make the American dream possible for generations, including the opportunity to build a life, create memories, and find a place to call home. This Memorial Day, we remember. We honor. We thank those who gave everything for our nation.

Wishing everyone a meaningful and reflective Memorial Day. 🇺🇸

What NOT to Do Before Closing on a Home. You’re under contract… now’s the time to keep everything steady. 🚨Avoid these c...
05/21/2026

What NOT to Do Before Closing on a Home. You’re under contract… now’s the time to keep everything steady. 🚨

Avoid these common mistakes before closing:

❌ Financing new furniture
❌ Opening new credit cards
❌ Making large unexplained deposits
❌ Switching jobs without talking to your lender
❌ Missing payments on existing accounts

Even small financial changes can impact your loan approval at the last minute. When in doubt, ask your loan officer first!

You might be more ready to buy a home than you think. 👀✔️ You have steady income✔️ You’re consistently paying bills on t...
05/19/2026

You might be more ready to buy a home than you think. 👀

✔️ You have steady income
✔️ You’re consistently paying bills on time
✔️ You’ve started building savings
✔️ You plan to stay in one area for a while
✔️ You’re thinking long-term financially

Homeownership doesn’t require perfection — just preparation. The first step is understanding your options and creating a plan that works for you.

Most people think your monthly payment is based on the price of the home. That is only one piece of the equation. Your p...
05/15/2026

Most people think your monthly payment is based on the price of the home. That is only one piece of the equation. Your payment is shaped by: interest rate, down payment, taxes and insurance and loan structure. This is why two buyers looking at the same home can have completely different outcomes. The difference is not the property. It is the strategy behind the financing.

A lot of buyers think they’re ready to start house hunting… but there’s a major difference between wanting to buy and ac...
05/13/2026

A lot of buyers think they’re ready to start house hunting… but there’s a major difference between wanting to buy and actually being prepared to buy.

Pre-qualification gives you an estimate. Pre-approval gives you verified numbers, a stronger position, and confidence when it’s time to submit an offer.

In today’s market, that preparation can make all the difference between securing the home or missing out. If homeownership is even a possibility for you this year, getting pre-approved is the smartest first step.

Home is more than four walls — it’s the hugs in the kitchen, the late-night talks, the traditions passed down, and the l...
05/10/2026

Home is more than four walls — it’s the hugs in the kitchen, the late-night talks, the traditions passed down, and the love that makes every house feel like home.

This Mother’s Day, we celebrate the moms, grandmothers, stepmoms, and mother figures who turn houses into safe havens and memories into lifelong foundations. Your love is what truly makes a home. Thank you for the care, strength, and warmth you bring into the lives around you every single day.

Happy Mother’s Day from all of us at Intercoastal Mortgage. 💐🏡

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1313 A Dolley Madison Boulevard
McLean, VA
22101

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