Your Trusted Mortgage Experts
In Florida

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Welcome to Island Coast Mortgage

– The Lowest Rates Guaranteed

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!

Never Mind
Never Mind
13:00 21 Sep 22
I just wanted to say what a great job Rob and Lynn did on our loan. It could not have been any smoother. Everything happened as they said it would and when they said it would. We actually closed a couple days early! Thanks for knowing your business. We are customers for life. Than you!
Danielle Meighan
Danielle Meighan
12:12 16 Aug 22
JB is the most kind patient and professional lender to work with. He is very knowledgeable and honest. Thanks to island coast mortgage I was finally able to accomplish my goal. JB walk me through the entire process from beginning until the end. Thank you 🙏🏼 so much JB.
Robert Magda
Robert Magda
14:32 18 May 22
JB and Lynn are amazing!! They didn't stop until they got my best scenario to benefit my needs I have completed 3 loans with them and I can't say enough positive things about them. They know their stuff!! :)
Justin Cantley
Justin Cantley
15:14 03 May 22
I would recommend jb and lynn to anyone great job thanks
Guy Flaugher
Guy Flaugher
19:42 08 Apr 22
JB and Lynn are the best, before, during and after we bought the house. Even later we did our refinance with them and that was also great. Anything that came up was handled. Now we are selling our house and ran into a problem and I reached out to JB and once again him and Lynn were there for us. I can’t say enough about them and how much they helped us.
Joaquin Cardenas
Joaquin Cardenas
23:31 05 Apr 22
This company does such and amazing job , always down to help you out , gives amazing advice and does everything that best fits you . Can get you approved for amounts you didn’t even know you would get, great at communicating and updates as well . Definitely give him a call !
Martin Rodriguez
Martin Rodriguez
11:14 03 Mar 22
There are no words that can express the gratitude and appreciation that I have for JB and Lynn. They are both the perfect example of professionalism and expertise in what they do. I can honestly tell you that if you are looking for a broker and processor that will deliver on what they say then look no further. You will not be disappointed with the attention and service that you will receive. Thank you JB and Lynn for making my dream come true.
Dan Abila
Dan Abila
11:56 27 Jan 22
I’ve been a realtor for 17 years and I’ve dealt with many mortgage brokers. JB is truly a professional. He is responsive and knows what he’s doing. I would highly recommend him.
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.
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.
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 bless
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 mortgage
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!
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.
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.👍🏽👍🏽
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 Corbin
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.
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! :-)
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!
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!!!!
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!
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!!
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!
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.
Denny M
Denny M
14:52 03 Sep 19
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