Unlocking the Power of First Mortgage Bond Loans and Down Payment Assistance Programs in Cape Coral, FL

Cape Coral, Florida, is a city filled with opportunities for homeownership. If you’re looking to secure a mortgage in this beautiful area, it’s essential to understand the available options that can make your dream of homeownership a reality. At Island Coast Mortgage, we specialize in helping individuals and families in Cape Coral, FL, find the perfect mortgage solution. In this article, we will delve into the details of two significant mortgage programs available for homebuyers in Florida: the Bond Alternative and the Bond Program. Additionally, we’ll explore the down payment assistance options that can accompany these first mortgage bond loans, including the Florida Assist and the Florida Second Mortgage.

First Mortgage Bond Loans: The Bond Alternative and The Bond Program

When exploring your options for a first mortgage bond loan in Cape Coral, Florida, you will come across two primary choices: the Bond Alternative and the Bond Program. Each has its specific guidelines and eligibility criteria.

Bond Alternative:

Designed for conventional loans.
Ideal for borrowers who prefer traditional mortgage options.
Features a competitive 30-year fixed-rate.
Eligible for first-time homebuyers or those who meet the veterans exception or reside in federally designated targeted areas.
Maximum income and purchase price limits apply.
Minimum credit score requirements: 640 (660 for manufactured housing).
Allows a maximum debt-to-income (DTI) ratio of 50% with AUS approval.
Available for various property types, including 1-unit dwellings, 2-4 unit properties, and condos.
Requires owner occupancy, and non-occupying co-borrowers are not allowed.

Bond Program:

Applicable for FNMA, FHA, and USDA loans.
Suitable for a wider range of homebuyers, including those seeking government-backed loans.
Offers a 30-year fixed-rate.
Similar eligibility criteria for first-time homebuyers and income/purchase price limits.
Minimum credit score requirements: 640 (660 for manufactured housing).
Maximum DTI of 50% with AUS approval.
Supports 1-unit dwellings, 2-4 unit properties (with the borrower occupying one unit), and condos.
Requires owner occupancy, and non-occupying co-borrowers are not allowed.

Down Payment Assistance Programs:

In addition to the First Mortgage Bond Loans, potential homebuyers in Cape Coral, FL, can explore various down payment assistance (DPA) options. These programs can make it more accessible for individuals to secure a mortgage and take that crucial step towards homeownership.

Florida Assist:

Offers a generous $10,000 in down payment assistance.
Compatible with both the Bond Alternative and Bond Program.
This assistance is structured as a silent second mortgage, meaning there are no regular payments required.
A fantastic option for those seeking financial support without the pressure of immediate repayments.

Florida Second Mortgage:

Compatible with both the Bond Alternative and Bond Program.
Unlike the Florida Assist, this program does require regular payments.
Provides additional financial support for those who can manage the monthly obligations.

Florida Plus Second Mortgage:

Tailored exclusively for conventional loans.
Offers further financial assistance to those choosing the Bond Alternative.
Provides more flexibility for conventional loan borrowers.

Unlock Your Dream Home in Florida Today

Cape Coral, FL, is a place filled with opportunities for homeownership, and navigating the various mortgage and down payment assistance programs can be overwhelming. At Island Coast Mortgage, we’re here to help you understand your options and guide you through the process of securing the perfect mortgage for your needs. Whether you’re considering a Bond Alternative, the Bond Program, or one of the available down payment assistance options, we have the expertise and local knowledge to assist you every step of the way.

Don’t let your dream of homeownership in Cape Coral, FL, slip away. Contact Island Coast Mortgage today to learn more about how we can help you access these outstanding mortgage and assistance programs. With our experienced team by your side, you can transform that dream into a reality.

Contact us now at 239-214-7011 and take the first step toward homeownership in Cape Coral, FL. Your dream home is just a call away!

Yvonne Doll

18:10 09 Sep 24

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!

Debra Hunter

02:26 06 Sep 24

This was our 2nd time of using this company - JB Braugton was our lender agent ,All transactions were highly professional - communication was excellent . He took care of any issues that came up . Any and all questions were answered , and I usually had a lot lol .I would highly recommend and we would use againThank u for all u did

Sarah Scifres

23:43 05 Sep 24

Ill say it, buying a house is stressful, and I am a licensed realtor. My income is considered "inconsistent" and my husband owns his own company, which also makes things difficult. The last time we bought a house the lending side was a nightmare, we didn't close on time, which lead to us being homeless for a week and a half... with a dog =( so naturally I was stressed, and rather pessimistic about going thru this process again. AND BOY WAS I WRONG!! JB was amazing, everything was quick, easy and pain-less. we closed on time, and I could not be more grateful they were recommended to us. They made the biggest purchase of our life, feel simple and even though we've closed on our house, they continue to go above and beyond when questions come up. CHOSE THEM!

MIchael Ledvora

18:36 04 Sep 24

JB was absolutely incredible. I'm self-employed and it has always been a nightmare getting approved for home loans. But JB and his team made it incredibly easy.

Kenny Ortiz

19:41 30 Aug 24

Wow!! Island Coast Mortgage i high recommend to everyone and anyone JB and his team are hardworking professionals who are not just professionals in their field but also as individuals who are caring, committed and genuine people who again I highly appreciate and recommendThank you Island Coast Mortgage!!

Sara Zaldivar

19:32 30 Aug 24

Ayer hice el cierre de mi primera casa, por 6 meses estuve con incertidumbres con mi antiguo lender hasta que me recomendaron a JB y a su team! Realmente quedé encantada, el trato la honestidad y la capacidad de responder a todas mis preguntas con profesionalismo. Si buscas a un prestamista que realmente sobrepasa tus expectativas ,sin ningún fee escondido te recomiendo a JB y Island Coast Mortgage. Yo les doy 10 stars si pudiera. Ellos tienen personas que hablan español también así que dale una llamada no te vas a arrepentir!

Janie Orr

23:33 19 Aug 24

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.

Caleb Roadcap

22:28 29 Jun 24

JB and his team were wonderful as we worked through the buying process. I would recommend them to my friends and family!

Nicole Kusnierz

22:31 04 Jun 24

JB was very insightful when buying my first home. He was also a call or text away with a quick response. He helped in any way he could. Highly recommend!

Brian Parrish

20:26 04 Jun 24

JB was very knowledgeable and looked for our best possible outcome. Ultimately, we were able to buy the house we wanted :)

Kayla Gilmore

06:52 19 May 24

Loved working with JB and getting the house I wanted! The process was quicker than I anticipated which I am so grateful for! Would definitely recommend to anyone looking to buy a home!

Kevin Cotton

06:47 19 May 24

Handled everything amazingly! Got us into a new home quicker than I imagined! Very thankful for working with!

Lupe Maldonado

19:33 06 May 24

Nice and easy process, would recommend to working with JB.

Jose P

18:58 26 Apr 24

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!

Monica Fischer

17:18 26 Apr 24

This was a very smooth and efficient transaction! JB and Lynn answered my many questions promptly and even made themselves available after hours to get our loan done!

steve wissman

17:55 23 Apr 24

Excellent company. Very honest and keeps you informed at all steps of your loan. Highly recommended Island Coast Mortgage

Nancy Espinoza

12:23 19 Mar 24

I recently bought my first house if it wasn’t from the help of JB Broughton and Lynn Torres thank you guys!! I highly recommend Island Coast mortgage!! such a great team of incredible people. Their customer service quality is great. The experience I had was super stress free and smooth with the process they make you feel very comfortable and explain everything details by details so if your looking forward to buying a home I once again recommend ISLAND COAST MORTGAGE is the way to go!!! Thank you guys once again.

Christine Swift-Rodriguez

21:29 17 Mar 24

JB and Lynn are the best! When I first reached out to JB, I had no hope left. Our landlord was selling our home and we were desperate to find a place to live, but everyone kept turning us down because I had messed up my credit during a bad divorce. I thought we were going to be homeless, which was crazy since we make good money. But JB told me exactly what to do and I did it. He actually told me I was one of the easiest people he had ever worked with because no matter what he and Lynn asked for, I gave it to them right away. I appreciated that because other mortgage brokers had just turned their backs when I asked for help. My situation was especially tricky, but JB and Lynn were patient and kind. They explained everything and answered my questions on weekends and at night. We closed on our house a little over a week ago. I couldn't be more thankful to them both.

Katherine Alfonso

20:53 22 Feb 24

We are first time homebuyers and closed early February! JB and Lynn work extremely hard to get you the house you wanted! Both very kind and will talk your through the whole process! I recommend using this company they are outstanding!!

Ann-Kathrin Effenberg

11:54 13 Feb 24

JB always answered any questions I had and offered expert guidance when it came to my mortgage process for my home.

Johanly Dj

18:18 23 Dec 23

I enjoyed working with the people here, buying my first home was so easy and stress free. I would recommend them for anyone who is unsure of the process, all of our questions were answered quickly.

Connor Johnson

23:12 22 Dec 23

Had a great experience with JB and Lynn! Quick and painless. Highly recommend.

Pj Malott

18:28 22 Dec 23

This is a amazing company, they helped me and my fiance buy our first home. The process was so easy and stress free. The next time we buy a home we will be sure to come back again. Thank you island coast mortgage :)

Dom King

20:25 13 Nov 23

JB was extremely helpful, educated me on the best rates available to me through different lending as well as helping me close on the home quickly.10/10 recommend. And we will be working together again in the future.

Krystal Giraldo

13:57 08 Oct 23

Rodni Cruz

19:40 25 Sep 23

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.

Lee Waller

02:41 08 Sep 23

These guys were so fast, friendly, and professional during our mortgage application thru closing. JB and Lynn are terrific. I would highly recommend them, couldn't ask for anything more.

Samantha Wooddell

21:03 27 Jul 23

We worked with JB and Lynn with the purchase of our new home and we had the BEST experience a family could ever have!!! They were quick to answer any questions we had and made the process so easy! It was so nice to have people to work with that really care about helping families get their forever homes!!! I HIGHLY RECOMMEND Island Coast Mortgage!!!!

Yeifry Ynoa

17:59 02 Jun 23

I moved from Massachusetts to Florida during the pandemic in 2020 with my wife and kids. Got linked up with JB a couple weeks after. He helped us get our first loan! Everything was straight forward with paper work. Any time you ask him a question either thru email with Lynn or a text to JB he would respond with quick with clear understandable words and no run arounds. Today June 2nd 2023 we are back with JB and closed on another loan. The process for the second loan was even FASTER then the first one. They would help you find an appraiser and anything else needed for the process. I would highly recommend working with this team of incredible people. Definitely someone you would like to keep in touch with. Very knowledgeable and respectful. If I can give 100 Stars I will!!THANK YOU VERY JB & LYNNFROM THE YNOA FAMILY

Jason Estes

16:44 05 May 23

Great customer service and overall support! A+

Katy Ricabal

18:21 09 Feb 23

I have returned to Island Coast Mortgage multiple times for my loan needs. JB and his team are the best! They are prompt and get the job done.

Homer Garcia

16:19 09 Feb 23

JB is great to work with!

Devin Kanavel

21:21 01 Feb 23

Worked with JB on purchasing a home. Was very responsive and quick to get everything done and closed. Went from in contract to closing in two weeks!

Mary Bourland

22:16 26 Jan 23

I called JB three years ago he told me what I had to do to get into my own house ,just last year and October Of 2022.I called JB again and said I believe I’m ready can we try to get me in a place. JB thought for me and my family he went to distance he did his very absolute best to get me into my own property in. I am 48 first time home buyer and it’s all because of JB. Thank you JB and your team you’re awesome you did everything right. Thank you so much I am a homeowner because of JV and his team his realtor team and finance team

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

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

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

15:14 03 May 22

I would recommend jb and lynn to anyone great job thanks

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

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

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

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

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

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

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

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

16:08 05 Aug 21

JB and Lynn are both very responsive and got my loan ready to close very quickly.

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

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

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

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

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

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

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

17:37 18 Jun 20

JB Broughton is the absolute BEST! I highly recommend. Thank you for everything and in a timely manner.

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

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

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

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

22:25 12 Nov 19

Ivan helped me so much and am happy to be a first time homeowner

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

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

14:52 03 Sep 19

Es una compañía que

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.

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.

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!

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.

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!!

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

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!

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.

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 🎉🥇

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 👏👏👏

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!

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

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!

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%!

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!

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 Witowski

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

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.

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👨‍👩‍👧‍👧🏠

Sz 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.

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!

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