Hello and welcome to my personal web page! Buying, or refinancing, a home is one of the most important decisions someone can make. It is my mission to make the entire transaction as smooth and enjoyable as possible. I believe there are two main factors when it comes to selecting a lender; competitive programs and meticulous service. Intercoastal Mortgage has some of the most innovative products in the industry and our pricing is extremely competitive. After listening to your needs, I will tailor a mortgage to fit your specific profile. Intercoastal Mortgage is a lender, not a broker. All of our mortgages are underwritten and processed in-house, which means we have control over your transaction from start to finish and you will close on time! My ultimate goal is to gain a client for life and that starts with the best service in the industry! Personal Real Estate transactions often occur during evening hours and on weekends. I pride myself on being available to you when you need me, to give you a competitive advantage during the negotiation process. I look forward to working with you!

“I felt like his only customer. That kind of service is unprecedented!”

“Josh is very personable, responsive and informative. He made the process as smooth and efficient as possible.”

“Josh was professional and extremely aggressive in finding a program that would work best for me! I am more than satisfied with the service I received from Josh!”

“Josh Cilman was a pleasure to work with. He made the entire process efficient and trouble free. We appreciated his 24/7 availability and thorough explanations to our questions.”

“Josh was friendly, thorough and easy to work with. He got us the best deal and was great at explaining everything to me since I was a first time homebuyer.”