About Island Coast Mortgage

Welcome to Island Coast Mortgage. Based in Cape Coral, FL, we serve customers in Cape Coral, Fort Myers, Port Charlotte, and throughout the state of Florida.

JB Broughton

Operations Manager

I have over 30 years of mortgage expertise to make every transaction for our clients seamless and successful. Our team will we be available to give you personal service with the best rates and programs from your initial consultation to the closing table. I pride myself on being available to answer any question or concerns and solve any issues that come up in the process of purchasing or refinancing your home. Buying or Refinancing your home does not have to be a stressful process. When Banks so NO we say YES. Whether you are a first time buyer or a seasoned home owner I will make your next transaction a success.

Anna Wagner

Mortgage Loan Originator | NMLS# 2705546

With a passion for helping others achieve their dreams of homeownership, Anna brings a unique blend of financial expertise and real estate knowledge to Innovative Capital Mortgage. As both a licensed MLO and dedicated real estate agent, Anna understands every step of the home buying process and is committed to guiding her clients with clarity, care, and confidence.

Our Story

Island Coast Mortgage was founded in 1986 with a vision to make it fast, easy and affordable for every homebuyer in Florida to find a suitable mortgage.

Our mission is to serve our customers with honesty, integrity and competence. Our goal is to connect clients with ideal home loans while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

Why Island Coast Mortgage?

With more than 30 years of experience serving customers in and around the Cape Coral area, we know the local real estate market like no other company, and are experts at helping homebuyers to surmount all obstacles.

We make it affordable to purchase a home by connecting you with a wide variety of competitive loan products from the wholesale lenders in our network. We also cover 100% of closing costs to save you thousands of dollars on a new home.

We offer specialized mortgage products such as loans for manufactured homes and more.

With Early Approvals, you can close fast on your dream home, which can be vital in a fast-paced market like Cape Coral.

Don’t have an ideal credit score? That is no problem when you apply for a home loan through Island Coast Mortgage. We offer fast credit repair and flexible approval.

Need help with your down payment? We offer down payment assistance.

We take pride in providing excellent customer service throughout the lending process. Our loan experts are knowledgeable, transparent, patient and communicative.

See What Our Clients Are Saying About Us!

Jared C.
4 weeks ago
Island Coast Mortgage, JB, and Lynn have been incredibly helpful throughout the entire process. Since we are purchasing a home from out of state, their knowledge and guidance have made a big difference, not only in navigating the mortgage process but also in providing helpful information for our move. I would highly recommend them to anyone looking for a mortgage.
Carly M.
1 month ago
JB and Lynn are fantastic. This was the simplest, easiest process. I work in accounting for a lender, so I already had a good idea of what my rate would be. Island Coast exceeded my expectations by quite a bit. I highly recommend Island Coast Mortgage.
Dylan R.
2 months ago
Lynn Torres is very easy to communicate with and makes all things mortgage easy and not scary like we have delt with in the past. A truly local trusted person is hard to find now and days. thanks again for all the help Lynn.
Adam B.
5 months ago
JB was great to work from beginning to end. It was a sticky situation when I first contacted JB with getting the loan. Him and the rest of the team were able to make it happen though when other companies couldn’t.
jesus F.
1 year ago
Would like to express our sincere gratitude to JB Broughton for all his outstanding work in obtaining our mortgage for us. We would highly recommend his services to anyone. From the first point of contact right through to the end he provided a first class service, always dealing with any queries we had, always contactable and even when busy he returns calls. From the moment we met him, he put us at ease, his knowledge and expertise of the industry shines through. We would like to thank you so much JB for helping us get our home together.
Jesus and Nery
Yvonne D.
2 years ago
This right here is what a happy first~time homebuyer 🏡 looks like!!! The perfect home, at the perfect time with the perfect financing plan... All this turns into the perfect Welcome Home & a Forever Friendship!!
Let's congratulate Mikey & Sabrina Suarez on a job well done! We ran the marathon, we jumped the hoops and we got it done! You could be next... Huge shout-out again to JB Broughton & Lynn Torres with Island Coast Mortgage for their diligence & know-how to put the perfect loan together, you guys ROCK! ☆☆☆☆☆ Welcome Home Suarez Family, welcome home!
Janie O.
2 years ago
We used Island Coast Mortgage since we were first time home buyers. Lynn was very responsive and helped us every step of the way. She gave us advise on everything and kept on top from beginning to end .
She went out of her way to help us secure homeowners insurance since we had no idea what we were doing . I highly recommend them for all your mortgage needs. They will not disappoint you.
Jose P.
2 years ago
I'd like to express my utmost satisfaction with Island Coast Mortgage for their exceptional handling of this transaction. Their efficiency and seamless management, coupled with their outstanding communication throughout every step, have truly impressed me. I wholeheartedly recommend their services—you won't be disappointed.
Thank you again to JB and his amazing Team my God bless you all!
Rodni C.
3 years ago
I recently purchased a home and had the pleasure of working with JB Broughton and Lynn Torres from Island Coast Mortgage. From the moment I reached out, JB was incredibly friendly, approachable, and non-judgmental. He’s so easygoing. I feel like I’ve known him all my life. He was always just a phone call or text away, making the entire mortgage process seamless.

Lynn Torres handled all the paperwork efficiently, ensuring that everything was in order. What truly stood out was the speed and professionalism of the entire team. We signed the contract and closed within just a few weeks, thanks to their fast, friendly, and highly professional approach.

I can't express how grateful I am to JB, Lynn, and the entire Island Coast Mortgage team for making my home buying experience smooth and stress-free. I highly recommend their services to anyone in need of mortgage assistance. They truly go above and beyond to deliver exceptional service.
Jennifer P.
6 years ago
JB Broughton is the absolute BEST! I highly recommend. Thank you for everything and in a timely manner.
Amanda C.
6 years ago
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 L.
6 years ago
*******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 S.
6 years ago
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!
Rossy A.
7 years ago
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.

Schedule Your Consultation With Island Coast Mortgage Today

If you are ready to move into your Florida dream home and the ideal mortgage for your needs, please give us a call now at 239-214-7011 to schedule your consultation. We look forward to working with you!

FREE Mortgage Rate Quote
Jared C.
4 weeks ago
Island Coast Mortgage, JB, and Lynn have been incredibly helpful throughout the entire process. Since we are purchasing a home from out of state, their knowledge and guidance have made a big difference, not only in navigating the mortgage process but also in providing helpful information for our move. I would highly recommend them to anyone looking for a mortgage.
Carly M.
1 month ago
JB and Lynn are fantastic. This was the simplest, easiest process. I work in accounting for a lender, so I already had a good idea of what my rate would be. Island Coast exceeded my expectations by quite a bit. I highly recommend Island Coast Mortgage.
Dylan R.
2 months ago
Lynn Torres is very easy to communicate with and makes all things mortgage easy and not scary like we have delt with in the past. A truly local trusted person is hard to find now and days. thanks again for all the help Lynn.
Adam B.
5 months ago
JB was great to work from beginning to end. It was a sticky situation when I first contacted JB with getting the loan. Him and the rest of the team were able to make it happen though when other companies couldn’t.
jesus F.
1 year ago
Would like to express our sincere gratitude to JB Broughton for all his outstanding work in obtaining our mortgage for us. We would highly recommend his services to anyone. From the first point of contact right through to the end he provided a first class service, always dealing with any queries we had, always contactable and even when busy he returns calls. From the moment we met him, he put us at ease, his knowledge and expertise of the industry shines through. We would like to thank you so much JB for helping us get our home together.
Jesus and Nery
Yvonne D.
2 years ago
This right here is what a happy first~time homebuyer 🏡 looks like!!! The perfect home, at the perfect time with the perfect financing plan... All this turns into the perfect Welcome Home & a Forever Friendship!!
Let's congratulate Mikey & Sabrina Suarez on a job well done! We ran the marathon, we jumped the hoops and we got it done! You could be next... Huge shout-out again to JB Broughton & Lynn Torres with Island Coast Mortgage for their diligence & know-how to put the perfect loan together, you guys ROCK! ☆☆☆☆☆ Welcome Home Suarez Family, welcome home!
Janie O.
2 years ago
We used Island Coast Mortgage since we were first time home buyers. Lynn was very responsive and helped us every step of the way. She gave us advise on everything and kept on top from beginning to end .
She went out of her way to help us secure homeowners insurance since we had no idea what we were doing . I highly recommend them for all your mortgage needs. They will not disappoint you.
Jose P.
2 years ago
I'd like to express my utmost satisfaction with Island Coast Mortgage for their exceptional handling of this transaction. Their efficiency and seamless management, coupled with their outstanding communication throughout every step, have truly impressed me. I wholeheartedly recommend their services—you won't be disappointed.
Thank you again to JB and his amazing Team my God bless you all!
Rodni C.
3 years ago
I recently purchased a home and had the pleasure of working with JB Broughton and Lynn Torres from Island Coast Mortgage. From the moment I reached out, JB was incredibly friendly, approachable, and non-judgmental. He’s so easygoing. I feel like I’ve known him all my life. He was always just a phone call or text away, making the entire mortgage process seamless.

Lynn Torres handled all the paperwork efficiently, ensuring that everything was in order. What truly stood out was the speed and professionalism of the entire team. We signed the contract and closed within just a few weeks, thanks to their fast, friendly, and highly professional approach.

I can't express how grateful I am to JB, Lynn, and the entire Island Coast Mortgage team for making my home buying experience smooth and stress-free. I highly recommend their services to anyone in need of mortgage assistance. They truly go above and beyond to deliver exceptional service.
Jennifer P.
6 years ago
JB Broughton is the absolute BEST! I highly recommend. Thank you for everything and in a timely manner.
Amanda C.
6 years ago
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 L.
6 years ago
*******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 S.
6 years ago
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!
Rossy A.
7 years ago
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.