Welcome to the Intercoastal Website and to my personal webpage. At Intercoastal Mortgage Company, it is our mission to offer you an array of cutting edge mortgage products at very competitive pricing. My goal is to draw from my over 20 years of lending experience to customize a mortgage program for you while giving you the level of service that you deserve... and by the way, because we specialize exclusively in residential home loans, I will not be trying to cross sell you on a bunch of bank products that you don’t want or need.

I have been in mortgage banking since 1987. I am happily married, and the proud father of four children (two boys two girls). I understand that the purchase or refinance of your home can be one of the most important financial/investment decisions that you will make for you and your family. I do not take my role in that decision lightly.

I very much look forward to working with you.

Why Choose Tom?

Tom consistently ranks in the top one percent of mortgage banking producers in dollar volume nationwide, but more importantly here is what a few customers had to say regarding their experience with Tom when asked on our customer survey.

“I felt like a person, not a piece of paper.”

“We are very satisfied with Intercoastal and commend Tom Pyne for his responsiveness!”

“You have an asset in Tom Pyne.”

“Always returned calls immediately. [I] felt confident that he was providing me with all the info.”

“[Our loan was] very smoothly handled with no real problems –the easiest loan closing we have had in 8 houses”

“Outstanding! This is the second time I’ve worked with Tom, there will definitely be a 3rd!”

“Outstanding! Tom agreed to see us on the day our closing was scheduled after our original mortgage broker told us that morning that he could not close. Unbelievably, Tom was able to approve us for a loan in only a few hours and we were able to close on schedule. Tom (and his staff) was a pleasure to work with. He was straightforward and honest and really put us at ease during what was a very stressful day. He had a wonderful ‘can do’ attitude and is obviously totally committed to serving his clients.”