John Kinzer
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Whether you're buying your first home or looking for a new investment property, being ready to act quickly when you find the right house is imperative. With us the Mortgage Pre-Approval process is fast and easy so you can enjoy the fun and excitement of house hunting prepared and confident. Understanding the different mortgage options and how they fit your situation can feel overwhelming at times.

Our Loan Comparison services cater towards getting our clients the best down payment and interest options on their loans. Save money by receiving the best financing terms available; for you. The Kinzer Group and Intercoastal Mortgage have an elite team of coordinators, processors, underwriters and closers working for you. We all take pride in closing your loan as quickly as possible.

In our area's competitive market, having the commitment of a trustworthy lender often times makes the difference in having an offer accepted or not. In buying and refinancing you worry about the amount of time and paperwork required to get a loan, but John and his team simplified and expedited the process beyond our expectations.
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Lifelong resident of Virginia, John knows our market inside and out.
Prior to entering mortgage financing John had a successful career in commercial construction building residential, retail, office, transportation, healthcare and educational facilities all over Virginia, Maryland and the District.
John is a graduate of Virginia Tech with a degree Building Construction and Development and a Minor in Real Estate and a proud alumnus of Virginia Tech's football team where he started as a tight end.
Fixed rate mortgages are highly desirable because the interest rate never changes for the entire life of the loan.
If you're looking for a loan that requires a steady payment each month with no surprises, a 30-year fixed rate mortgage is a great option.
If you can afford to make higher monthly payments and want to pay your home off sooner, we also offer terms as short as 10 years.
Are you stuck in a bad loan with a high interest rate?
We may be able to help.
We offer refinancing options that can potentially lower your monthly payment as well as your interest rate, depending on your credit profile and financials.
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