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.

Granite countertops are nice. A home that fits your budget and lifestyle is even better. Prioritizing needs first makes ...
09/01/2026

Granite countertops are nice. A home that fits your budget and lifestyle is even better. Prioritizing needs first makes finding the right home much easier.

Think about what matters most to you like location, space, monthly payment, commute, or room to grow. The right home isn’t necessarily the one with all the upgrades; it’s the one that works for your life today and supports where you’re headed tomorrow. When you know your priorities, you can shop with confidence and focus on what truly matters.

As you consider mortgage options, ask: What will my monthly payment be? How much cash will I need to close? And which lo...
08/27/2026

As you consider mortgage options, ask: What will my monthly payment be? How much cash will I need to close? And which loan option best fits my financial goals?

It’s easy to get caught up in the excitement of finding a home, but understanding the mortgage behind it is just as important! There’s no such thing as asking too many questions when it comes to your finances. The more you know upfront, the more confident you can feel moving forward.

Forget notebooks and pencils. Your future-home supply list might include: a savings goal, budget, credit awareness, fina...
08/25/2026

Forget notebooks and pencils. Your future-home supply list might include: a savings goal, budget, credit awareness, financial documents, questions for your lender, and a realistic understanding of your monthly expenses. Class is officially in session!

Before you start scrolling listings or picturing where the couch will go, take some time to get familiar with the numbers. Knowing what you can comfortably afford, what questions to ask, and what to expect each month can make the home buying process feel a whole lot less overwhelming.

Back-to-school isn't just for kids! It’s also a great reminder that lifelong learning can include learning about your fi...
08/20/2026

Back-to-school isn't just for kids! It’s also a great reminder that lifelong learning can include learning about your finances. Whether you’re saving for a down payment, working toward a stronger credit score, paying down debt, or simply trying to feel more confident about your financial future, every positive habit counts. Small steps today can make a big difference in reaching your goals tomorrow.

Think of it as your own financial education journey, there’s always something new to learn, and you don’t have to have all the answers to get started. What’s one financial goal you’re working towards this year?

If your finances got a report card today, what grade would they earn? Maybe you’d give yourself an “A” for saving consis...
08/18/2026

If your finances got a report card today, what grade would they earn?

Maybe you’d give yourself an “A” for saving consistently. Maybe you’re still working on your credit, building an emergency fund, or understanding what it takes to prepare for a home purchase. And that’s okay! The good news? There’s always room to improve, and no matter where you’re starting, you can take steps toward a stronger financial future.

The moment it all becomes official! Signing the documents, receiving the keys, and finally hearing those magic words: yo...
08/13/2026

The moment it all becomes official! Signing the documents, receiving the keys, and finally hearing those magic words: you’re officially a homeowner! Closing day is an exciting milestone, but it can also come with a lot of paperwork and details to navigate.

From reviewing your closing documents to understanding your final costs and knowing when and how you’ll receive your keys, having an idea of what to expect can make the process feel much smoother.

Many homeowners wonder whether the interest rate they have today is the rate they’ll have to keep forever. The good news...
08/11/2026

Many homeowners wonder whether the interest rate they have today is the rate they’ll have to keep forever. The good news? Your current mortgage rate may not be permanent.

Depending on your financial situation, market conditions, your home’s value, and your long-term goals, refinancing could become an option in the future. Refinancing may potentially help you pursue a different interest rate, adjust your loan term, or achieve other financial goals, but it’s important to consider the costs and whether it makes sense for your individual situation.

While everyone wants the perfect interest rate, waiting for it could come with costs of its own. Home prices may continu...
08/07/2026

While everyone wants the perfect interest rate, waiting for it could come with costs of its own. Home prices may continue to rise, competition can increase, and the home you love today may not be available tomorrow. The reality is that buying a home isn't just about one number—it's about looking at the full financial picture. Factors like your monthly payment, long-term goals, available loan programs, and the opportunity to refinance in the future can all play a role in making homeownership the right move.

Every situation is different, and that's why we're here to help. Let's talk through your options, run the numbers, and determine the best path forward for your goals.

A common mistake many homebuyers make is focusing only on their future monthly mortgage payment. While that's certainly ...
08/06/2026

A common mistake many homebuyers make is focusing only on their future monthly mortgage payment. While that's certainly an important part of the budget, it's not the only expense that comes with buying a home. Don't forget to plan for moving costs, furniture, utility setup, routine maintenance, and unexpected repairs that may come up after you move in! Setting aside funds for these additional expenses can help make your transition into homeownership much smoother and less stressful.

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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