Jeff Divack at Intercoastal Mortgage, LLC

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Reston, VA
Jeff Divack at Intercoastal Mortgage, LLC

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https://activecomp.ly/nmls/218698
NMLS ID #218698
Company NMLS ID #56323 (www.nmlsconsumeraccess.org)

There is a mortgage loan that suits you best; that loan depends on your personal needs. Perhaps you are planning on buying your very first house or preparing to build the house of your dreams. You may be planning to live in your house for three years – or thirty. Licensed by the VA State Corporation Commission, license # MC-375
NMLS ID #218698
Company NMLS ID #56323
(www.nmlsconsumeraccess.org)

Equal Housing Opportunity Lender

10/29/2026

Pumpkin spice AND house hunting? Now we're talking.

Fall home shopping comes with a few things to keep in mind, from shorter daylight hours to holiday schedules and changing market conditions. A little preparation goes a long way in finding the right home this season. With the right plan in place, you can enjoy the excitement of house hunting while staying one step ahead!

10/27/2026

Before the first shovel hits the dirt, there are a few pieces to put together:

-Your land
-Your builder
-Your plans
-Your budget
-Your financing

Building your dream home is a big undertaking, but having the right plan and team in place can make the process a lot less scary.

From finding the perfect piece of land to securing financing, understanding the steps ahead will help you turn your dream home into reality. Let's make building your dream home a little less spooky and a lot more exciting!

10/23/2026

Found the perfect piece of land? Before you start picturing your dream home, there are a few important things to consider.

Are utilities available? Is the land suitable for building? What about zoning restrictions, road access, surveys, and site preparation costs? And don't forget about financing! The cost of the land and any work needed to prepare it can play a big role in your overall construction budget.

Building a home starts long before the foundation is poured. Asking the right questions early can help you avoid surprises and make sure the land fits your plans, your budget, and your future home.

10/16/2026

Listing photos show you the pretty stuff. But what about everything you can't see? Behind those freshly painted walls could be outdated wiring. Under that beautiful landscaping could be drainage issues. And above that stunning ceiling could be an aging roof.

It's easy to fall in love with a home's appearance, but understanding its condition is just as important. That's why home inspections, doing your due diligence, and asking the right questions matter. Taking the time to look beyond the surface can help you avoid unexpected surprises and make a more informed decision.

10/14/2026

You don’t need to have all the answers before talking to a lender. That’s what the conversation is for!

Start by asking questions and be ready to discuss your income, debts, savings, credit history, goals, and timeline. These details help your lender better understand your financial picture and explain the options that may be available to you.

The first conversation is about learning what’s possible, understanding your next steps, and creating a plan that works for you. A few simple questions can go a long way in helping you feel more confident about your home buying journey.

10/08/2026

Nothing says “spooky season” like checking your credit and discovering something you didn’t expect. Late payments, high balances, new accounts, errors, or accounts you don’t recognize can all be worth investigating. If homeownership is one of your goals, make checking in on your credit part of your financial routine.

And remember: if you’re preparing to apply for a mortgage, talk with your mortgage professional before making major changes to your credit or finances. A little financial awareness can go a long way toward keeping the scary surprises away.

10/07/2026

Some things are scary because they go bump in the night. Others are scary because they show up during the home buying process.

Unexpected costs, credit surprises, missing paperwork, last-minute changes, or buying more house than your budget comfortably allows can turn an exciting experience into a stressful one. The good news? A little preparation can keep many mortgage nightmares from becoming reality.

Know your numbers. Ask questions. Understand your options. And don’t be afraid to talk to your mortgage professional before making a big financial move. Because the only thing haunting your home buying journey should be the Halloween decorations.

10/01/2026

What kind of homebuyer are you? Are you the Planner who has a spreadsheet for everything? The Dreamer who already has a Pinterest board for every room? The Researcher who has read every mortgage article on the internet? Or the “I have no idea where to start” buyer? Maybe you’re a little bit of all four.

Wherever you are in the process, having the right information can make all the difference. Our team is here to help you understand your options and feel confident about what comes next.

09/29/2026

Principal and interest are two key parts of understanding your mortgage.

Principal is the amount of money you borrowed to purchase your home. As you make payments toward the principal, you reduce the amount you owe on your loan.

Interest is the cost of borrowing that money. It’s calculated based on your loan balance and interest rate, and the amount going toward interest versus principal can change over the life of the loan.

Your monthly mortgage payment may also include other costs, such as property taxes or homeowners' insurance. Knowing where your payment goes can make your mortgage feel a little simpler and help you better understand your loan.

09/25/2026

The end of September is coming, making it a great time for a financial reset! Take a few minutes to clean out more than your closet: review subscriptions, recurring expenses, old accounts, spending habits, and savings goals. You may find expenses you’ve outgrown or money that could be put to better use. Redirecting even a small amount each month can help you make progress toward a future down payment, emergency fund, or other financial goal.

Address

11911 Freedom Drive, Ste 500
Reston, VA
20190

Telephone

+17034496825

Website

http://www.JeffDivack.com/

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