Why top real estate producers rely on Keith Brown

"Keith Brown is the Fairfax mortgage lender I've counted on for years. His pre-approvals stick, he uses local appraisers, and his loans close on time." Learn more »

Why homebuyers trust Keith Brown

"Keith Brown got us a great rate on the right type of loan. When there was an underwriting issue, he solved it so we closed on time with no surprises." Learn more »

Call Keith at 703-449-6821 or GET STARTED TODAY!

NMLS ID#195682

Intercoastal's Privacy Notice

Stay in Touch with Keith and Important Industry Information via Social Media

Keith Brown's Blog

Mar 16, 2013

How We Can Help You With Your Home Equity Line of Credit

We specialize in many different types of mortgages at Intercoastal Mortgage Company to get you into the house you desire; we also originate second trusts and home equity lines of credit. Many of you have more than likely heard the term, but are you aware of just how available it may be to you? You can't use a home equity line of credit (HELOC) on its own to purchase a house or for proof of funds, but it may be helpful to show you have available credit and your payment history. In this blog I discuss what a HELOC means to you and how you can use it to get into the house you want, pay for your ...more
Mar 10, 2013

A Proper Closing

If youre in the process of obtaining a mortgage loan then you are probably interested in getting to closing as quickly and efficiently as possible.  In previous blogs we have discussed how to get to closing; what you need to have and what you can expect through the process, but what happens when you get to the finish line? Your application for a mortgage loan has been approved and you have received a commitment letter from us. The final step before you can call the house your own is the closing, or settlement, of the purchase transaction and mortgage loan. You will have to sign a ...more
Mar 3, 2013

So You Want a New House But You Already Own

Many people are faced with the challenge of needing to buy a new house while they already own one. This is most often the case when a move warrants switching houses. What is the best way to handle this situation? Buying a house isnt as easy as it used to be.  Buying your new home while maintaining your current living situation may be the preferred choice for ease of transitioning from one place to another, but this approach can be a bit tricky. In this blog I will address the proper technique for handling a situation like this.There are many reasons why you may need to buy a house ...more
Feb 8, 2013

Does It Cost More to Buy or Rent

This week’s blog post is about the cost related to value of buying vs. renting a home. I will compare the 2 options with some detail, to demonstrate why choosing to buy is a financially sound decision. In a previous blog, I talked about the advantages of getting pre-approved for mortgage loans. Now I will explore the financial advantages of home ownership. You may have wondered about the relative value and expense of both options and asked the question, “Is it better to rent or buy?”; It's very common for someone in the market for a new home to look only at the sale price . For ...more
Feb 1, 2013

Locking In Your Rate

You never know when the lowest mortgage rate will be available to you, but with good timing, a little knowledge, and the help of your mortgage lender, you can lock in the interest rate once you have a ratified contract on a property.  In a previous blog we discussed why the mortgage rates are so low, however they're constantly changing. This fluctuation makes it difficult to know when is the perfect time to lock in a rate. The last thing you want is to find your perfect house, only to learn the interest rates have gone up, or that you have to pay thousands more in points. In this blog I ...more
Jan 25, 2013

How Should I Start the Loan Process

Chances are you are well aware that now is a great time to purchase your next home, but what steps do you need to take? This blog is going to cover the steps you must take to obtain a loan. You may want to start the process by contacting me for an initial consultation. After listening to your specific goals and needs, I will suggest the program that is appropriate for your situation. At this time I will ask you to fill out the mortgage application. It is recommended, for efficiency sake, that you apply over the telephone or through our safe and secure website. If you prefer, you may apply in ...more
Jan 11, 2013

What Is a Non-Conventional Loan

These types of loans are for the borrower or property that does not meet the traditional guidelines for a typical mortgage loan. They provide us, as your lender, a way to ensure that we have a solution to the issues or obstacles you may encounter in trying to obtain a mortgage. Non-conventional loans are often used for purchasing private residences and for building or renovating them. This blog discusses the non-conventional loan. Three types of non-conventional loans that we offer and will be discussing are:·         Construction Loans ...more
Jan 5, 2013

More Loan Programs We Offer

Obtaining a mortgage is probably one of the most significant things we can acquire. There are multiple types of mortgage loans; just as we’ve discussed in previous blogs. This blog will be discussing three more specific types of mortgages we offer.The three loan programs we will be discussing are:• Interest Only Loans• Buydowns• BalloonsInterest Only Loans are offered to provide for mortgage payment flexibility by not requiring the borrower to pay principal on a monthly basis. This can be advantageous for qualifying purposes or for the individual who has the financial where-with-all to pay ...more