Billy Kinberg - Mortgage Consultant - nmls id: 433577

Billy Kinberg - Mortgage Consultant - nmls id: 433577 Let me be your guide through the complex world of residential mortgages. https://activecomp.ly/nmls/433577 I’m not a salesman! We are not a brokerage.

With over 21 years of experience, I offer a service that is educational and transparent. As a dedicated professional in the finance industry — with over twenty years as a residential lender — I am passionate about providing my clients with a very personalized and stress-free experience to home finance. Education and transparency are at the core of my approach! I believe in instilling my clients wi

th the knowledge they need to make informed decisions, ensuring that each step of the financing process is clear and accessible. I may be fluent in Mortuguese, but with my clients I tend to speak with more familiar terminology in preference of industry jargon. Rather, I am an advisor … and I am committed to providing full transparency to foster trust and long-lasting relationships, as I work hand-in-hand with my clients to tailor solutions that meet their unique needs. At Intercoastal Mortgage, LLC, we offer all of the traditional home loan solutions that every other lender provide; but we also specialize in many unique financing solutions that other lenders cannot deliver. These products empower individuals with a variety of options to reach their home financing goals. Some of these unique solutions include: construction & renovation financing, bridge loans, and specialized solutions for self-employed borrowers. I help clients navigate complex financial landscapes with clarity and confidence. We are a direct lender. Your entire experience — from the initial discussion, right up through settlement day — is handled within our organization by me and my team. We are here to support you all the way. Whether you're seeking to purchase a home, or refinance your existing property, I am here to provide expert guidance and support. Let's connect and explore how we can make your home dream a reality. I am a lifetime DC Metro Area resident, and proudly make my home in the heart of the city. I am committed to helping my clients realize that while financing a home may be the largest financial transaction of their lives; it doesn’t have to be the most difficult. My experience, integrity, and dedication have provided me with a long list of satisfied and loyal clients. I hope to add you to that list. Intercoastal Mortgage: We are an Equal Housing Lender. Company nmls id: 56323.

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.

Address

1100 15th Street Northwest
Washington D.C., DC
20005

Opening Hours

Monday 7am - 11pm
Tuesday 7am - 11pm
Wednesday 7am - 11pm
Thursday 7am - 11pm
Friday 7am - 11pm
Saturday 9am - 11pm
Sunday 9am - 11pm

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