Kim Barnum at MVB Mortgage - NMLS #564183

Kim Barnum at MVB Mortgage - NMLS #564183 MVB Mortgage is a registered trade name for Intercoastal Mortgage, LLC. • Company NMLS ID # 56323

Closing day is a major milestone—take a moment to celebrate all the hard work that brought you here.-Snap a photo with y...
06/18/2026

Closing day is a major milestone—take a moment to celebrate all the hard work that brought you here.

-Snap a photo with your keys to remember the day you officially became a homeowner.
- Treat yourself to a special dinner or celebrate with loved ones who supported you throughout the journey.
- Start dreaming about your new space and planning your first home project, whether it's decorating, landscaping, or simply making it your own.
-Share the exciting news with family and friends and let them join in celebrating this exciting achievement.

Most importantly, take a moment to pause and appreciate what you've accomplished. Purchasing a home is a significant achievement, and today marks the beginning of an exciting new chapter.

Travel smart this summer! Before you leave:✓ Set lights on timers✓ Hold mail and deliveries✓ Lock doors and windows✓ Mak...
06/16/2026

Travel smart this summer! Before you leave:

✓ Set lights on timers
✓ Hold mail and deliveries
✓ Lock doors and windows
✓ Make sure your home security systems work
✓ Wait to post travel updates

Taking a few simple precautions can help keep your home secure while you enjoy a well-deserved getaway.

Ever heard the term "Debt-to-Income Ratio" (DTI) and wondered what it means?Your DTI compares your monthly debt payments...
06/11/2026

Ever heard the term "Debt-to-Income Ratio" (DTI) and wondered what it means?

Your DTI compares your monthly debt payments to your gross monthly income. It's one of the factors lenders use to determine how much home you may qualify for.

The good news? You don't have to figure it out alone. A mortgage professional can help you understand your numbers and explore options that fit your financial goals.

Don't just think about today's home prices—think about tomorrow's. Homeownership is a long-term investment, and getting ...
06/08/2026

Don't just think about today's home prices—think about tomorrow's. Homeownership is a long-term investment, and getting started sooner can make a meaningful difference over time.

Homeownership isn't just about having a place to call home—it's about building a stronger financial future. As you pay d...
06/03/2026

Homeownership isn't just about having a place to call home—it's about building a stronger financial future. As you pay down your mortgage and your home's value appreciates, you build equity that can become one of your most valuable assets. It's one of the many ways homeownership helps create lasting wealth over time.

The right house gives you more than shelter — it gives you a place where memories are made, milestones are celebrated, a...
05/28/2026

The right house gives you more than shelter — it gives you a place where memories are made, milestones are celebrated, and life happens. 🏡✨

At ICM, we’re honored to help families find not just a house, but a place to truly call home. Whether you’re buying your first home, upgrading, or starting a new chapter, we’re here to guide you every step of the way.

Home is more than four walls — it’s where your story begins.

Today, we pause to honor and remember the brave men and women who made the ultimate sacrifice in service to our country....
05/25/2026

Today, we pause to honor and remember the brave men and women who made the ultimate sacrifice in service to our country.

At Intercoastal Mortgage, we are grateful for the courage, selflessness, and dedication of our fallen heroes and the families who carry their legacy forward. Their sacrifice has helped make the American dream possible for generations, including the opportunity to build a life, create memories, and find a place to call home. This Memorial Day, we remember. We honor. We thank those who gave everything for our nation.

Wishing everyone a meaningful and reflective Memorial Day. 🇺🇸

What NOT to Do Before Closing on a Home. You’re under contract… now’s the time to keep everything steady. 🚨Avoid these c...
05/21/2026

What NOT to Do Before Closing on a Home. You’re under contract… now’s the time to keep everything steady. 🚨

Avoid these common mistakes before closing:

❌ Financing new furniture
❌ Opening new credit cards
❌ Making large unexplained deposits
❌ Switching jobs without talking to your lender
❌ Missing payments on existing accounts

Even small financial changes can impact your loan approval at the last minute. When in doubt, ask your loan officer first!

You might be more ready to buy a home than you think. 👀✔️ You have steady income✔️ You’re consistently paying bills on t...
05/19/2026

You might be more ready to buy a home than you think. 👀

✔️ You have steady income
✔️ You’re consistently paying bills on time
✔️ You’ve started building savings
✔️ You plan to stay in one area for a while
✔️ You’re thinking long-term financially

Homeownership doesn’t require perfection — just preparation. The first step is understanding your options and creating a plan that works for you.

Most people think your monthly payment is based on the price of the home. That is only one piece of the equation. Your p...
05/15/2026

Most people think your monthly payment is based on the price of the home. That is only one piece of the equation. Your payment is shaped by: interest rate, down payment, taxes and insurance and loan structure. This is why two buyers looking at the same home can have completely different outcomes. The difference is not the property. It is the strategy behind the financing.

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7000 Hampton Center, Suite G
Morgantown, WV
26505

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