Business Details
Your Trusted Mortgage Partner in St Marys, GA
Coastal Mortgage Company has been dedicated to guiding clients through the mortgage loan process from application to closing for over two decades. As a local mortgage brokerage, we leverage our extensive network to shop for the best loan products and terms tailored to individual needs. Our commitment to world-class service combines the efficiency of a small-town operation with the expertise of seasoned professionals. With 21 years of mortgage lending experience and a focus on personalized attention, we prioritize client satisfaction by ensuring transparency, responsiveness, and a streamlined experience.Our team, including partners Kevin Van Horn and Eliane Smith, brings deep local knowledge and a passion for helping clients achieve homeownership. We specialize in conventional, VA, FHA, USDA, and jumbo loans, catering to first-time buyers, veterans, and those seeking investment properties. Our track record of hundreds of successful closings and recognition as the best mortgage broker in Camden County reflects our dedication to excellence.
Services
Conventional Loans
VA Loans
FHA Loans
USDA Loans
Jumbo Loans
Highlights and features
- We offer 21 years of mortgage lending expertise tailored to individual needs.
- Our team provides dedicated responsiveness and fast turn times for all clients.
- We tailor loan solutions to meet unique financial circumstances and goals.
- We serve St. Marys and surrounding areas with deep local market knowledge.
- Our seamless process ensures stress-free closings, even during challenging times.
What people say
Best mortgage broker
Seamless process
Highly recommend
Quick response times
Stress-free closings
Services
Conventional Loans
Conventional loans are mortgage options not backed by government agencies, offering flexible terms for qualified borrowers. These loans suit those with strong credit and stable income, providing options for fixed or adjustable rates. Coastal Mortgage Company helps clients navigate requirements like Fannie Mae and Freddie Mac guidelines to secure competitive rates and favorable terms.
VA Loans
VA loans provide homeownership opportunities for veterans, service members, and eligible spouses with no down payment requirements. Coastal Mortgage Company guides clients through VA loan benefits, including limited closing costs and assistance to avoid default. We ensure compliance with VA standards while securing favorable terms for military families.
FHA Loans
FHA loans cater to low-to-moderate income borrowers with relaxed credit requirements and low down payments. Coastal Mortgage Company educates clients on upfront and annual mortgage insurance premiums, helping first-time buyers and those with past financial challenges achieve homeownership through FHA-approved programs.
USDA Loans
USDA loans support rural residents with no down payment options and low mortgage insurance fees. Coastal Mortgage Company assists eligible applicants in securing these loans for modestly priced homes, ensuring compliance with income limits and property standards in rural communities.
Jumbo Loans
Jumbo loans exceed federal loan limits, catering to high-value property purchases. Coastal Mortgage Company helps clients meet stricter underwriting criteria, including credit scores and debt-to-income ratios, to secure competitive rates for luxury or investment properties in Camden County.
People
Kevin Van Horn
Loan Officer / Partner
Kevin Van Horn, a Camden County native with 20 years of mortgage experience, specializes in personalized loan solutions. He prioritizes client communication and has helped hundreds of families achieve homeownership through tailored guidance and local expertise.
Eliane Smith
Loan Officer / Partner
Eliane Smith brings 14 years of financial expertise to Coastal Mortgage Company, focusing on seamless loan processes for first-time buyers and refinancers. Her background in corporate banking and commitment to client education ensure a stress-free mortgage experience.
Questions
What types of mortgage loans do you offer?
We offer conventional, VA, FHA, USDA, and jumbo loans to meet diverse financial needs and homeownership goals.
How long does the mortgage process take?
Most clients close in under 30 days, with expedited options available for qualified applicants.
What credit score is required for a conventional loan?
Minimum credit score for conventional loans is typically 620, with better rates for higher scores.
Can I refinance my existing mortgage?
Yes, we specialize in refinancing to help clients lower rates, reduce payments, or access home equity.
Why choose a local mortgage broker?
Local brokers like Coastal Mortgage Company Company offer personalized service, community knowledge, and faster decision-making compared to large institutions.
