Your Trusted Mortgage Experts
In Cape Coral, FL

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Welcome to Island Coast Mortgage

– The Lowest Rates Guaranteed in Cape Coral, FL

Miles of beaches and a beautiful home are waiting for you in sun-drenched Cape Coral.

But with Island Coast Mortgage on your side, you don’t need to wait any longer to move into the home of your dreams.

We offer Early Approvals so you can close fast on your perfect Florida home. We also guarantee the lowest mortgage rates in the region.

JB Broughton - Operations Manager

Why Island Coast Mortgage?

We’ve been making it fast, easy, and affordable for customers in Cape Coral and throughout Florida to apply for a mortgage since 1986. With over three decades of experience, we are experts in the local market and in every loan situation.

Our loan experts patiently walk you through the application process and answer your questions in as much detail as you need in order to understand fully the terms of a loan. We stay in close communication with you constantly for a smooth, easy, stress-free loan process.

You do not need a perfect credit score to apply successfully for a home loan through Island Coast Mortgage. In fact, helping customers with swift credit repair when necessary is among our specialties. We also offer loan products such as FHA, VA and USDA which feature flexible credit approval.

With our variety of loan products, you can find a suitable mortgage for any situation. We even offer specialty products such as our manufactured housing loans and ITIN loans.

As a mortgage broker, we shop a network of wholesale lenders in order to bring you the lowest rates, guaranteed.

We also offer down payment assistance.

With our Early Approvals program, you can close rapidly on your dream property in Cape Coral.

Understanding the Loan Process

3 Simple Steps to Pre-Approval which is extremely valuable in the
competitive Cape Coral, Florida market.

  • 1. Schedule A FREE Consultation
  • 2. Develop A Mortgage Plan with your Consultant
  • 3. Apply and receive a same day free no obligation approval
Schedule a FREE Consultation Now!
Island Coast Mortgage Checklist

Free Mortgage Checklist to help
you get started

See What Our Clients Are Saying About Us!

Stacey Nixon
Stacey Nixon
21:10 16 Nov 21
These people are the most amazing professionals you will ever endure. They bent over backwards for us in every situation we ran into and JB and Lynn are so helpful and understanding. We had obstacles... that we thought we couldn’t get around and they worked with us in every way to get our loan taken care of. Just amazing that’s what I say.read more
Rida Hernandez
Rida Hernandez
23:02 28 Oct 21
I have never felt so strongly in a positive way about a professional business. They are caring, patient, concerned and, in my case, spent a lot of time helping to find the right home for us. Their... determination to help us through the process was unmatched. Mr. Broughton and Lynn really worked tirelessly to help us when I feel sure another Mortgagor would not have gone to the lengths they did and going way above and beyond in ensuring that we get just the right house. They did not tire of helping us even when we, ourselves, lost hope. Our gratitude is unending. Thank you both for all your hard work on our behalf.read more
Deirdre Doherty
Deirdre Doherty
00:48 19 Oct 21
JB and his staff went above and beyond in a very stressful time for this buyer. I also did not have easy access to WiFi and was so kind to assist if I had needed that little extra help in getting... things accomplished in a timely matter. And not missing anything. I would very much recommend anyone to this company. JB answers all questions and very informed. And I got a great interest rate out there. You are in great hands and will not regret your choice in selecting JB and his team. If your looking for quality and customer service. This is your go to company. Making a stressful situation that much easier. Thank you JB and your team at Island Coast Mortgage. God blessread more
Jack Howell
Jack Howell
18:37 09 Aug 21
I have known JB for a couple of years now he and his staff are wonderful,I knew nothing of the homebuying process he help me through every step of the way,He is a genuinely good man who I am now... great friends with,I highly recommend Island coast mortgageread more
alvin Criswell
alvin Criswell
16:08 05 Aug 21
JB and Lynn are both very responsive and got my loan ready to close very quickly.
Peter Fleischer
Peter Fleischer
18:21 04 Aug 21
Very helpful, experienced staff who made the home-buying process easy on our family. Highly recommend!
Christina Cussins
Christina Cussins
02:22 23 Jul 21
The amount of dedication it took to take on my challenging case because there were many obstacles to overcome! The help I received on better understanding the process and how professional JB was,... made me feel comfortable and reassured that me being able to buy a home was not just a dream but now a reality! The great quality in him finding me the best deals and making this happen is very satisfying! I can’t thank JB enough for all the hard work and I would recommend him to anyone!read more
Graverobber CGP
Graverobber CGP
19:29 03 Jul 21
JB was the best! He not only secured us with a very good loan amount, but he also helped us close on our home. He was there (over the phone and email) every step, from the first showing of the house... to the congratulations call after closing. Not to mention our situation required a faster than normal closing speed. 10/10 I will recommend JB and Island Coast Mortgage to all my friends that are looking to buy a home.read more
Oryan Atkinson
Oryan Atkinson
21:56 24 Jun 21
I’ve purchased/refinanced 5 properties with JB. Sometimes deals can have hiccups. JB and Lynn are able to work with many banks and find loan solutions to make my deals happen. I recommend them to all... my friends and coworkers.👍🏽👍🏽read more
dc211078 C
dc211078 C
15:56 19 Apr 21
JB and Lynn were awesome throughout the whole buying process for our new home. They made it easy for a first home buyer. They were very detailed and left no question unanswered. Always available and... never had to hunt them down. They were so quick on getting all entities done. We will always use them for any home buying in Cape Coral. Thank you JB and Lynn.David Corbinread more
Justin Wilkinson
Justin Wilkinson
02:07 20 Mar 21
JB and Lynn at Island Coast Mortgage were exceptional during my home buying process. Each was highly responsive and addressed all of my questions and concerns with swiftness and ease. I am incredibly... thankful to have worked with them and would recommend Island Coast Mortgage to anyone looking for reliable and friendly mortgage professionals.read more
Lisa Lewek
Lisa Lewek
17:33 11 Mar 21
JB and his team were amazing to work with and worked diligently over a few months to get us the best deal for our refinance. They found us a very competitive rate and guided us through the whole... process. Submitting documents was easy and they kept us informed every step of the way. Nothing was too much trouble and they were an absolute pleasure to work with. I cannot recommend Island Coast Mortgage highly enough! Thank you JB and Lynn - you guys are awesome! :-)read more
Jennifer Pack
Jennifer Pack
17:37 18 Jun 20
JB Broughton is the absolute BEST! I highly recommend. Thank you for everything and in a timely manner.
Amanda Cruz
Amanda Cruz
17:01 17 Jun 20
A friend of mine recommended using JB for purchasing my 1st home, and I’m so glad she did! Both JB and Lynn were quick about getting things done and helped answer any questions along the way. I got a... low interest rate, and he got it even lower just before we closed. I highly recommend using Island Coast Mortgage for your home buying needs!read more
Doreen Lehner
Doreen Lehner
12:44 29 May 20
*******There are not enough Stars to rate JB and Lynn at Island Coast Mortgage!!! Outstanding....Unsurpassed Service!!!! They do not quit until you have Success!!! I have Mortgages many homes and... this is the Best Ever!! Extremely Knowledgeable....Personable....and obtained me the Best Loan with the Lowest Rate!!!!read more
Izai Sanchez
Izai Sanchez
18:16 31 Jan 20
As a Realtor, you try to find connections with lenders that are hardworking and willing to do whatever it takes to be there for your clients 24/7. I had the pleasure of working with Ivan Sanchez, who... was always there for my clients and kept them informed every step of the way. Fulfilling our clients dream of getting them into their home is our number one goal, Ivan certainly goes the extra mile to achieve that goal! If you're looking for a lender that will not give up on you, Ivan is your guy!read more
Daniel Moreno
Daniel Moreno
01:32 30 Jan 20
Ivan made the process so smooth and painless! He was always ready to answer any questions I had for him. I will definitely be coming back to see him for my next home!
ORyan Atkinson
ORyan Atkinson
10:18 11 Jan 20
When our other mortgage person couldn’t get the deal done and ultimately wouldn’t respond I switched to JB. JB started working on my deal the very day we spoke. Not only did he get two deals done... simultaneously, I was able to get the deal done on time, very smoothly, very easy to reach, easy to talk to and everything turned out as initially discussed. The benefits of direct underwriting. Needless to say I will be doing business with him in the future and will be recommending him to my friends and family. Especially those deals that involve some creativity. He has strong credibility and represents the old school where people worked hard and creatively to get the deal done.Thanks again JB!!read more
Moises Trejo
Moises Trejo
22:25 12 Nov 19
Ivan helped me so much and am happy to be a first time homeowner
Jake Kolbus
Jake Kolbus
11:54 02 Nov 19
Can’t say enough of how appreciative and impressed we are of JB and everyone at Island Coast Mortgage. We switched to them about 3 weeks out from our closing date and they were fantastic in helping... us get a great rate and closing on our home. Our sellers were very anxious about our decision to switch lenders at that time and JB assured us that everything would get completed by our targeted closing date. He did not disappoint. Island Coast Mortgage really took care of us in helping getting the VA loan appraisal and remedies completed. They were very easy to talk and work with and were great in answering any of our questions along with the way. We highly recommend them to everyone looking for great service and incredible rates. Thank you JB and Island Coast Mortgage, you are absolutely the best!read more
Rossy Avendano
Rossy Avendano
23:02 25 Sep 19
I definitely recommend island coast mortgage for your house loan. Our realtor agent Ivan Sanchez was very helpful and always available to every call. As a first time home buyer we couldn’t decide... what house to pick, He nicely showed us multiple houses before making a decision. Very young guy but very smart and with experience. Thank you very much for making our dream come true.read more
Denny M
Denny M
14:52 03 Sep 19
Es una compañía que
janet diaz
janet diaz
12:52 28 Aug 19
My husband and i just closed on our home few months ago.It was a great experience,thanks to our loan officer IVAN SANCHEZ,he was always available to answer all our phone calls,and help as thru the... process very smart guy.I highly recommend ISLAND COAST MORTGAGE thanks ivan.read more
Kristi Maxey-Diego
Kristi Maxey-Diego
21:29 27 Aug 19
Love JB, he is the most amazing guy, he made my home ownership the most amazing awesome adventure. He walked me through everything step by step. Doing the almost impossible. He opened the door to my... new home, when no one else would even give me the chance to prove myself.Thank you from the bottom of my little heart. JB ont only my mortgage broker, but a new friend.read more
Jill Paul
Jill Paul
13:23 24 Aug 19
JB and the rest of the team were great! We were able to close on a VA home loan in less than 45 days! Highly recommend!
Erik Leitzes
Erik Leitzes
20:37 22 Aug 19
Island Coast Mortgage has been helping me, my friends, my family and my clients secure loans, for the last few years. All I can say is wow!! JB and his team always go above and beyond to get the job... done. They think outside the box, while others scratch their head in defeat. If you’re looking for a solid lending professional that can get you the best rate, the best program and actually get you to closing, then you need to call JB with Island Coast Mortgage today!! Stop wasting your time on the lenders out there that shouldn’t even be licensed, the way they treat their clients and other professionals in the industry. If you want to be treating like a property, then JB is the lender you’ll want for life.read more
katie
katie
21:58 20 Aug 19
JB with Island Coast went above and beyond helping me to secure my loan. He made himself available at all hours-- even on the weekend. If you want to be treated as a person, not a number, Island... Coast Mortgage is for you.read more
claire long
claire long
22:18 16 Aug 19
This was my first experience buying a mobile home....and I have to say with all sincerity that the experienced team of JB and Lynn at Island Coast Mortgage provided me with the best customer service... I have ever received. Buying real estate is a stressful process, but JB's constant communication and knowledge really made us feel at ease knowing he had our back from beginning to end...Thank you JB for providing us with the assistance we needed to buy our home! We COULD NOT have done it without you!!read more
Andrew Wigal
Andrew Wigal
14:02 21 May 19
JB was very helpful and kept me posted along the way, I would recommend him and would use him again.
Fides Faith Sirakis
Fides Faith Sirakis
20:59 16 May 19
As a Realtor, I had the pleasure of working with JB, and just recently, he was able to save 2 of my deals, that other lenders could not get approved. Getting customers into a home is our priority,... and he certainly goes above and beyond to make that happen! If you've been turned down before, give JB a try! He will go to work for you from day one, and see you through until you have the keys to your home!read more
Allison G
Allison G
01:57 07 May 19
JB and Lynn are a great team. They're prompt, thorough and made the mortgage process a breeze. As a first time home buyer, I was full of questions and JB made himself available to answer all them.... Very pleased with ICM.read more
Tracy Mabley
Tracy Mabley
15:48 29 Mar 19
Jb has been the best mortgage guy I'm so blessed to of been working with him he is such a blessing made my dreams come true after getting shut down by other mortgage companies whom have told me I... would never be a home owner Jb made it happen for me I am forever greater such a wonder guy.. And he's from Ohio 🎉🥇read more
ryan miceli
ryan miceli
15:38 29 Mar 19
If there were a 10 star I'd rate JB off the charts he is awesome on top of things makes things stress free fast paced man we love working with him couldnt ask for a better mortgage guy... 👏👏👏read more
Diane Cooke
Diane Cooke
20:42 12 Mar 19
JB and Lynn were both great to work with. JB was very helpful with providing information prior to a final decision being made on a home choice. They were very quick with processing my loan and it... could not have gone smoother. I will definitely be using them when I'm ready for another purchase!read more
Douglas Duckett
Douglas Duckett
02:39 08 Dec 18
JB worked months with us until we found the right house. I now call him a friend and look forward to meeting him in person. I highly recommend his services to anyone, expecialy Veterans.
Bethanie Dilley
Bethanie Dilley
22:39 09 Nov 18
My husband and I recently purchased our first home and we couldn’t have done it without JB and all of his hard work. He put so much effort into making sure we would qualify for the loan. His... assistants were amazing as well, always keeping us updated with what was going on. We would definitely recommend anybody who is looking to buy a home to give JB a call at Island Coast Mortgage and have him get started on making your homeowners dream a reality!read more
David Duncan
David Duncan
19:39 20 Sep 18
I know this is long but please take a couple minutes to read it.JB at Island Coast Mortgage was a life saver. My wife and I had been browsing for a new home and hadn’t completed any of the... pre-approval paperwork because we didn’t think we were going to find anything we really liked. A home became available but we needed a pre-approval letter very quickly. The institution holding the mortgage on the house we were living in at the time told us it could take up to 30 days for a second mortgage pre-approval letter. We had our paperwork to JB quickly and he provided us with a pre-approval letter the next day. If it hadn’t been for JB and Island Coast Mortgage I don’t think we would have gotten the house. I’d recommend him 100%!read more
Andy Stluka
Andy Stluka
19:59 22 Aug 18
JB Mortgage, and his whole staff, was just plain amazing!!! They took care of me from day one. I am a first time home buyer, and they were always in contact with me to make sure the experience was as... hassle free on my part as they could make it.I am blown away by the personal touches the team provided me, and how cheerful they were when we talked on the phone answering all of my questions.If you are looking for a personal experience and not some random internet search, please consider contacting all the amazing people at JB Mortgage!read more
Deborah Witowski
Deborah Witowski
22:48 22 Jun 18
JB and Lynn were fabulous. They really made things work for me. Great communication. Kind and caringThey found a great mortgage for me. They are my go-to guys from now on Thank you for all your... effortsSincerely, Deborah Witowskiread more
Wayne Nancy
Wayne Nancy
16:02 21 Jun 18
Thanks jb and Lynn for all that you did to get us into our new home. We absolutely love it.Working with you was wonderful, you knew exactly what to do when we ran into a problem. Thanks again.
Susan Miller
Susan Miller
02:32 21 Jun 18
It was a great experience doing my loan for my home with J.B He was a professional very kind he listens and he answered all my questions.JB was always available and always returned my calls and... emails.I highly recommend JB to handle your loan if you want things done right JB and company is your place for your home loan.I give them 5 stars and again I highly recommend JB to handle your loan services.read more
Jennifer Kats
Jennifer Kats
20:01 30 May 18
My husband and I just closed on our first home on Friday. We could not have done it without the help of Island Coast Mortgage. From the very first time I talked to JB, I knew that we had made the... right decision trusting Island Coast Mortgage with our first home purchase. Our loan was not a easy one to obtain and through every single step JB and Lynn went above and beyond to get it done. I personally will never go anywhere else for anything in the future. Customer's for life!! Thank you Island Coast Mortgage you've helped make our future brighter👨‍👩‍👧‍👧🏠read more
S Nightingale
S Nightingale
15:59 12 Jan 18
If you've never worked with a mortgage broker, it is a real revelation. Your bank is going to string you along and do what's best for the bank. The companies that advertise on TV are gigantic... bureaucracies and have to make up the cost of that advertising. They hire inexperienced people who are apt to foul things up. It's hard to reach them to ask questions, and they make you feel like you are imposing on them. They can take what seems like forever to close, because you're just one tiny bit in an enormous pile of work for them, and what do they care? On the other hand, working with Island Coast, you get expert help and exactly the loan you need at the lowest cost, and it's all done very efficiently and effortlessly. They have the years of experience to navigate a complex system without making any mistakes, and are very patient at explaining the process and answering questions -- actual people you can talk to in person, on the phone, or via email. For our refinance, we closed in less than 30 days, and that was with two end-of-year holidays in the middle of the process, causing the appraisal to take two weeks. You can't get this kind of high-quality personal service anyplace else. Not only did we save money, we eliminated all of the stress typically involved in this process.read more
Heather Cole
Heather Cole
21:35 13 Feb 17
We needed to refinance our home in a timely fashion and JB Broughton and Lynn Torres got the job done! They were friendly and answered all our questions and called us all the time to keep in touch on... what was happening and needed to be done! Couldn't ask for better service! Thanks guys!read more
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