Billy Kinberg - Mortgage Consultant - nmls id: 433577

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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 with 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.

Principal and interest are two key parts of understanding your mortgage.Principal is the amount of money you borrowed to...
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.

The end of September is coming, making it a great time for a financial reset! Take a few minutes to clean out more than ...
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.

Just because you qualify for a certain loan amount doesn’t mean you need to spend that much. Your ideal home price shoul...
09/23/2026

Just because you qualify for a certain loan amount doesn’t mean you need to spend that much. Your ideal home price should fit comfortably within your broader financial goals, not just the maximum a lender says you can borrow.

Consider the full cost of homeownership, including taxes, insurance, maintenance, and utilities. Choosing a home below your maximum budget can give you more room to save, invest, pay down debt, and handle unexpected expenses.

Before closing, think twice about making major financial moves that could impact your mortgage approval. This includes o...
09/17/2026

Before closing, think twice about making major financial moves that could impact your mortgage approval. This includes opening new credit accounts, moving money around, or changing jobs without discussing it with your mortgage professional first.

Even a decision that seems harmless can affect your credit, debt-to-income ratio, or overall loan qualification. The best approach is to keep your financial situation as stable as possible until you’re officially at the closing table. When in doubt, ask before you act. A quick conversation with your mortgage professional can help you avoid unnecessary surprises and keep your home buying journey moving smoothly.

Your credit score is certainly important, but it’s just one piece of the mortgage puzzle. Lenders may also consider your...
09/15/2026

Your credit score is certainly important, but it’s just one piece of the mortgage puzzle. Lenders may also consider your income, debts, assets, employment history, credit history, debt-to-income ratio, and overall financial picture when evaluating your loan application.

That’s why two people with similar credit scores can sometimes have very different mortgage options. Your complete financial profile helps lenders understand your ability to repay the loan and determine which programs and terms may be a good fit. So, if your credit score isn’t exactly where you’d like it to be, don’t automatically assume homeownership is out of reach. And if your credit score is strong, remember that there are still other factors that matter.

Today, we pause to remember the lives lost and the heroes who stepped forward on September 11, 2001.We honor the courage...
09/11/2026

Today, we pause to remember the lives lost and the heroes who stepped forward on September 11, 2001.

We honor the courage, sacrifice, and resilience of those who were affected, and we hold their families, loved ones, and communities in our hearts.

We will always remember. 🇺🇸

To one buyer, move-in ready means “I can unpack tomorrow.” To another, it means “The house is structurally sound, and I ...
09/10/2026

To one buyer, move-in ready means “I can unpack tomorrow.” To another, it means “The house is structurally sound, and I don’t mind painting.” Define what move-in ready means to you before you start shopping.

Does it mean fresh paint, updated flooring, a renovated kitchen, and modern bathrooms? Or are you comfortable with cosmetic projects if the home has good bones and the right layout?

Knowing your definition can help you set realistic expectations, compare homes more confidently, and avoid overlooking a property that could become a great fit with a little time and effort.

Don’t only ask whether a house works for you today. Ask whether it could still work if your life changes. New job? Growi...
09/09/2026

Don’t only ask whether a house works for you today. Ask whether it could still work if your life changes. New job? Growing family? Working from home? Different priorities? You don’t need to predict everything, but flexibility has value.

A home that gives you room to adapt can make future transitions a little easier. Maybe that means an extra bedroom that can become a home office, a layout that can accommodate a growing family, a location that keeps your commute manageable, or space that could eventually support aging parents.

The goal isn’t to find a home that perfectly fits every possible version of your life. It’s to think beyond the moment and consider how your home could support where you’re headed.

Today, we celebrate the dedication, determination, and hard work of those who keep our communities moving forward. We’re...
09/07/2026

Today, we celebrate the dedication, determination, and hard work of those who keep our communities moving forward. We’re grateful for the people whose everyday efforts make a lasting difference in the places we call home.

Here’s to the workers, dreamers, and doers who help make our communities stronger.

Think your credit score is holding you back from buying a home? You may have more options than you realize. There are a ...
09/03/2026

Think your credit score is holding you back from buying a home? You may have more options than you realize. There are a variety of mortgage programs designed for different financial situations, and understanding where you stand is the first step. A conversation with a loan officer can help you explore your options, identify opportunities to strengthen your application, and create a plan that works toward your homeownership goals.

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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