I’m Dedicated To Guiding You Through Your Journey To Home Ownership

A successful mortgage starts with a one-on-one meeting to understand your goals and provide a foundation for your home loan journey. Now, let’s talk about your exciting home financing goals.

*Zero Obligation. Endless Potential *Commitment-Free Chat About Your Goals
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Hi, I'm Rob...

Welcome to Intercoastal Mortgage! To have found these pages, you were either invited to visit by me, or were referred by one of the many real estate professionals with whom I work. If you’ve discovered these pages through a simple search engine, wonderful! Welcome!

I’d like to take a few minutes to tell you about myself: in over 23 years in the residential mortgage industry, I’ve worked hard to find the best ways to help people looking for their bit of the American Dream: Home Ownership. From first time buyers to savvy real estate investors, my forte is finding the financing to meet the need and creating a smooth loan process from start to finish. I want my clients to understand their loan and to be confident that they have made a wise financial decision as they complete their transaction.

Over the years, I’ve had the honor to be part of the home buying process, working withrealtors from top firms, plus custom builders and condominium developers. Many ofthese amazing professionals are people I rely upon regularly for industry information that helps me serve my clients better.

My dedicated team and I strive to exceed our clients’ expectations, with excellence in timely communication, abundant information, and, of course, Intercoastal Mortgage’s finest selection of residential loan products. Since 2012, I have been ranked among the Scotsman Guide’s Top 100 Mortgage Originators in the country, and I have received the Chairman’s Club award consecutively since 2002, largely due to the diligence of this team of loan officers and support staff members. How can we help You make your dream of home ownership a reality?

*Zero Obligation. Endless Potential *Commitment-Free Chat About Your Goals
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Awards

Meet The Team

Chris Kearney

Senior Loan Officer
NMLS ID # 1233724

Alec Gagne

Senior Loan Officer
NMLS ID # 1707927

Claire Fleming

Team Transaction Manager
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The Home Buying Journey Doesn’t Have to Be Painful or Scary…

The reality is, finding a loan officer isn’t difficult. What’s difficult is finding someone who understands your unique situation and who is willing to go the extra mile to find mortgage and financing solutions that make sense for your needs.

Every current or future homeowner is looking to write their own unique story. But when you’re looking to launch an exciting new chapter of your life, it’s frustrating when you’re met with limited lending options, high interest rates, and ever-changing market conditions.

As a loan officer, my sole focus is to provide transparent and personalized guidance so you can make major financial decisions with confidence and clarity. I’m committed to being your partner on the home financing journey and removing the uncertainty and overwhelm that the mortgage process can bring.

Over my career I’ve partnered with people from all walks of life to find the best mortgage product and program – and I’m excited to do the same for you. However far along you are in the process, buying or financing a home doesn’t have to be a dream. With the right support, anyone can wake up with a place to call their own.

*Zero Obligation. Endless Potential *Commitment-Free Chat About Your Goals

Here Are the Home Loans We Can Help You With…

Conventional Loans

Non-Conventional Loans

VA Home Loans

FHA Loans

Jumbo/Super Jumbo Loans

Construction Loans

Renovation Loans

Bridge Loans

Let’s Put You in a Home You Love

All big things have small beginnings and you’ve just taken the first step on an exciting journey. We understand that few things in life are as exciting as buying a home – but that excitement can feel daunting too.

With an Intercoastal Mortgage loan officer by your side, you’ll be able to focus on an exciting future knowing you’re not alone. Whether it’s sourcing the right loan product so you feel certain about what you can afford, providing jargon-free answers to your mortgage questions, or celebrating each win until you wake up as a brand new homeowner, we’re not just here to provide home loans – but to support homeowners like you.

Our loans are processed, underwritten and closed in-house so you can enjoy a faster, more seamless and stress-free process.
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INTERCOASTAL MORTGAGE The Ross Group
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WHAT SETS US APART…

The Ross Group are More Than Loan Officers. We’re Your Partner on This Exciting Journey

Every member of our team puts your time, convenience and needs at the heart of everything they do. That means you’ll be supported by home financing experts who’ll make you feel heard, and will do everything in their power to meet your needs.

Experience peace of mind knowing my team and I provide the following advantages:

The number ONE thing we want is to make your home financing experience simple, clear and successful!

Whether you’re looking to purchase your first home, your next home or refinance your existing mortgage, we’ll provide the guidance and honest advice you need to achieve your goals.

*Zero Obligation. Endless Potential *Commitment-Free Chat About Your Goals

What Our Customers Say

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Partner With our Experienced Team of Home Financing Experts, So You Can…

Access the widest range of home financing options…

Navigate the ever-changing home ownership landscape with confidence…

And, turn your dreams of home ownership into reality whatever your credit score or financial situation looks like.

Start a conversation with a member of the Ross Group team and find out what a difference our service can make in your home ownership journey. We look forward to hearing from you!

*Zero Obligation. Endless Potential
*Commitment-Free Chat About Your Goals

Hi I'm CHRIS,

Senior Loan Officer

Selecting the right lender is just as important as choosing the right home to meet your needs and fulfill your dreams. We set the standard with our commitment to the highest level of quality in product and service.

You’ll appreciate our professionalism, experience and thoughtful consideration of your needs as we make the loan process a smooth and successful transaction.

Give me a call and put me to the test – I’d like the opportunity to become your most trusted mortgage financing resource!

Hi I'm ALEC,

Senior Loan Officer

Selecting the right lender is just as important as choosing the right home to meet your needs and fulfill your dreams. We set the standard with our commitment to the highest level of quality in product and service.

You’ll appreciate our professionalism, experience and thoughtful consideration of your needs as we make the loan process a smooth and successful transaction.

Give me a call and put me to the test – I’d like the opportunity to become your most trusted mortgage financing resource!

Hi I'm CLAIRE,

Team Transaction Manager

Hello! I am Claire Fleming the Transaction Manager for The Ross Group at Intercoastal Mortgage LLC. My time in the mortgage industry started in 2013 when I was fresh out of college looking for my first ‘grown-up’ job. I found myself at Potomac Mortgage Group LLC (later to become MVB Mortgage and then Intercoastal Mortgage LLC) working at the front desk. From there I found myself extremely interested in the mortgage process and asking for any extra work I could get my hands on to learn everything I could about this industry. Fast-forward to today, I am delighted to be with the company that I not only started my career with but allowed me to thrive and find the position and team that compliments me the most. What I love most about what we do is that we help people obtain their actual dreams in homeownership.

A little more about me… though I was born and raised through my elementary school years in Chevy Chase MD, I tell those who ask that I am from Harpers Ferry WV where my family moved, and I experienced my middle and high school years. I then attended George Mason University graduating in 2013 with my bachelor’s in psychology. GMU is where I met my now Husband, Mario. We have lived in the Fairfax/Arlington area since, recently putting roots down in Alexandria VA. We love our three ‘fur-babies’ – Leif (dog), Gwen, and Rosie (cats). What we enjoy the most on a free night is a ‘old-fashion’ competitive board game night with our friends and family.

Privacy Policy

What does Intercoastal Mortgage, LLC,
do with your personal information?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notce carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security number and Account balances
Payment history and Transaction history
Credit history and Credit scores

How?

All financial companies need to share Customers personal information to run their everyday business. In the section below, we list the reasons financial companies can share their Customers personal information; the reason Intercoastal Mortgage, LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.

Does Intercoastal Mortgage, LLC share? Yes
Can you limit this sharing? No

For our marketing purposes — to offer our products and services to you.

Does Intercoastal Mortgage, LLC share? Yes
Can you limit this sharing? Yes

For joint marketing with other financial companies

Does Intercoastal Mortgage, LLC share? No Can you limit this sharing? We don’t share

For our affiliates’ everyday business purposes — information about your transactions and experiences.

Does Intercoastal Mortgage, LLC share? Yes
Can you limit this sharing? No

For our affiliates’ everyday business purposes — information about your creditworthiness.

Does Intercoastal Mortgage, LLC share? Yes
Can you limit this sharing? Yes

For our affiliates to market to you.

Does Intercoastal Mortgage, LLC share? Yes Can you limit this sharing? Yes

For non-affiliates to market to you.

Does Intercoastal Mortgage, LLC share? No Can you limit this sharing? We don’t share

To Limit Our Sharing

Call 703-449-6800 or

Visit us online:ICMTG.com/Opt-out
Please note: In you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Intercoastal Mortgage, LLC

Questions?

Call 571-266-6534 or go to ICMTG.com/Opt-out.

Who We Are

Who is providing this notice?

Intercoastal Mortgage, LLC

What We Do

How does Intercoastal Mortgage, LLC protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also use procedural safeguards that comply with Federal standards to guard your non-public personal information.

How does Intercoastal Mortgage, LLC collect my personal information?

We collect your personal information, for example, when you:

Apply for a loan or
Provide account information or
Provide employment information or
Give us your contact information or
Give us your wage statements

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

sharing for affiliates’ everyday business purposes — information about your creditworthiness affiliates from using your information to market to you
sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

Our affiliates include companies such as Van Metre Companies and ERA Van Metre Properties, Lender Service Provider, LLC, Walker Title, LLC, Walker/Dominion Title L.C

Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

Intercoastal Mortgage, LLC does not share with non-affiliates so they can market to you

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Intercoastal Mortgage, LLC does not jointly market

Other Important Information

California residents only; we will not disclose or share information about California residents without first providing you with a California Privacy Notice honoring your choice unless such sharing or disclosure is permitted by applicable law.

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