Business Details
20 Years
experience
Your Trusted Mortgage Partner in Charleston, SC
Coastlend Mortgage is a client-focused mortgage company dedicated to transforming the lending experience through honesty, integrity, and fair practices. Founded in 2006 by Eddie O'Neill, a mortgage professional with over two decades of experience, we prioritize community building through homeownership. Our team undergoes rigorous training to serve diverse clients, including first-time buyers, investors, high-net-worth individuals, and Hometown Heroes like military personnel and healthcare workers. Drawing from Eddie's background at The Ritz-Carlton, we deliver exceptional customer service and tailored loan solutions.With expertise in conventional, government-backed, and jumbo loans, we streamline the homebuying process through a four-step approach, including our High Priority Buyer pre-approval program. Our mission is to instill confidence, build trust, and fulfill clients' dreams while maintaining transparency and ethical standards. Headquartered in Charleston, SC, we combine local market knowledge with national lending capabilities to support clients throughout their homeownership journey.
Services
Conventional Loans
Government Loans
Jumbo Loans
Refinance Options
First-Time Buyer Programs
Hometown Heroes Program
Details
- Year established: 2006
Highlights and features
- We specialize in tailored mortgage solutions for diverse borrowers including first-time buyers and Hometown Heroes
- Founder Eddie O'Neill brings 20+ years of mortgage expertise and Ritz-Carlton-level customer service standards
- Our four-step streamlined process ensures efficient loan approvals and closings
- High Priority Buyer pre-approval program gives clients competitive advantage in real estate transactions
- Community-focused approach with deep local market knowledge in Charleston, SC
Services
Conventional Loans
Our conventional loan programs offer competitive rates with flexible down payment options starting at 3%. These mortgages suit borrowers with strong credit histories seeking cost-effective financing for primary residences, investment properties, or second homes. Our expert loan officers help clients navigate requirements to find optimal solutions.
Government Loans
We offer VA, FHA, and USDA loans with specialized benefits for eligible borrowers. VA loans provide zero-down options for veterans, FHA loans accommodate lower credit scores, and USDA loans offer rural property financing with no down payment requirements. Our team guides clients through specific eligibility criteria and application processes.
Jumbo Loans
For properties exceeding conforming loan limits, our jumbo loan programs provide financing for luxury homes or high-value properties. We help clients understand current limit thresholds in their area and structure loans that meet their unique financial situations while maintaining competitive pricing.
First-Time Buyer Programs
Our specialized programs help first-time buyers overcome common barriers with down payment assistance, educational resources, and tailored loan options. We provide step-by-step guidance through the entire process, from initial credit assessment to final closing, ensuring a smooth transition to homeownership.
Hometown Heroes Program
Designed for military personnel, nurses, firefighters, and police officers, this program recognizes community service through preferential loan terms. We offer dedicated support to help these professionals achieve homeownership with specialized financing options and priority processing throughout their homebuying journey.
People
Eddie O'Neill
Founder/CEO
Mortgage industry veteran with 20+ years' experience, previously with The Ritz-Carlton. Founded Coastlend Mortgage in 2006 after recognizing need for superior customer service in lending. Holds Series 65 license and has closed $275M+ in residential loans.
Eileen Reichart
Senior Loan Officer
Loan industry professional since 2000 with extensive experience in loan approvals and client relations. Formerly with CNB Mortgage and NHSC. Graduated from College at Brockport, committed to personalized mortgage solutions for Charleston area clients.
Michael Joyce
Loan Officer
Licensed mortgage professional with international experience in Canada and Europe. Former student-athlete from Brock University. Specializes in client qualification and documentation collection, bringing competitive drive to mortgage process excellence.
Elizabeth Owens
Loan Officer
Charleston native with communications and sales background. University of South Carolina graduate focused on problem-solving and client advocacy. Committed to making homeownership dreams achievable through personalized mortgage guidance.
Ladonna Bentley
Head Processor
Experienced loan processor with decade-plus industry expertise. Manages loan workflow from underwriting to closing, maintaining meticulous organization and communication with title companies and attorneys to ensure timely transactions.
Questions
What mortgage options do you offer?
We offer conventional, VA, FHA, USDA, and jumbo loans for purchases or refinancing, including specialized programs for first-time buyers and Hometown Heroes.
How does your loan process work?
Our four-step process includes initial consultation, document submission, underwriting with 6-hour turnaround, and closing support, designed for efficiency and transparency.
Do you work with first-time homebuyers?
Yes, we specialize in first-time buyer programs with down payment assistance options and personalized guidance through every step of the homebuying journey.
Are you licensed to operate in my state?
We hold NMLS license #340929 and operate primarily in South Carolina, with capacity to serve clients in multiple states through our network.
What is the High Priority Buyer program?
Our exclusive program provides expedited pre-approval letters that give buyers competitive advantage in real estate transactions through faster processing and documentation.
How are you different from other lenders?
We combine mortgage expertise with Ritz-Carlton-level service standards, offering personalized attention, community focus, and a streamlined process developed over 18 years of experience.
