Business Details
Your Trusted Mortgage Partner in St. Simons Island, GA
Coastal Mortgage Solutions is a full-service mortgage brokerage firm dedicated to guiding clients through the homeownership journey with personalized solutions. Established with a deep understanding of the Southeast Georgia market, we combine local expertise with national connections to deliver competitive mortgage rates and closing costs. Our team of experienced professionals has over 25 years of combined industry knowledge and has facilitated more than $100 million in loans annually. We prioritize client satisfaction through transparent communication, tailored financial guidance, and a commitment to exceeding expectations.With 11 local employees and a 15-day average close time, we streamline the mortgage process while maintaining a neighborly approach. Our 400+ 5-star reviews reflect our dedication to precision, exceptional service, and going the extra mile for every client. As a trusted community partner, we reinforce our commitment by donating $250 to local charities if we cannot secure the best mortgage deal for our clients.
Services
Adjustable Rate Mortgage
Conventional Loan
FHA Loan
Fixed Rate Mortgage
Jumbo Loan
Reverse Mortgage
USDA Financing
VA Loan
Highlights and features
- 25+ years of mortgage industry experience
- 15-day average loan closing time
- 400+ 5-star client reviews
- Local Southeast Georgia market expertise
- Charitable $250 donation guarantee for competitive rates
What people say
Professional in every way
Made the whole process easy
Goes that extra mile
Precision at its best
The best one yet
Services
Fixed Rate Mortgage
Fixed-rate mortgages provide consistent monthly payments with locked-in interest rates. Our clients benefit from predictable budgeting and long-term financial planning. We offer competitive terms ranging from 15 to 30 years, tailored to individual financial goals and credit profiles.
VA Loan
VA loans offer zero-down payment options for eligible military personnel and veterans. Our specialists navigate VA guidelines to maximize benefits while minimizing costs. We provide streamlined refinancing and purchase options with favorable terms for qualified applicants.
FHA Loan
FHA-insured loans enable low-to-moderate income borrowers to achieve homeownership with reduced down payments. Our team simplifies the FHA process, offering 3.5% down payment options and flexible credit requirements while ensuring compliance with federal regulations.
Jumbo Loan
Jumbo loans serve high-value property purchases exceeding conventional limits. We provide customized financing solutions for luxury homes with competitive rates. Our underwriting experts handle complex financial profiles to secure approvals for premium real estate transactions.
Reverse Mortgage
Reverse mortgages convert home equity into tax-free income for seniors aged 62+. Our counselors explain HECM program details and payment options. We ensure clients understand financial implications while preserving inheritance opportunities for heirs.
Questions
What mortgage loan types do you offer?
We provide conventional, FHA, VA, USDA, jumbo, reverse, and adjustable-rate mortgages. Our specialists help clients choose optimal options based on financial situations and homeownership goals.
How quickly can you close a mortgage?
Our average closing time is 15 days from application. We prioritize efficient processing while maintaining thorough underwriting standards to ensure smooth transactions.
Do you offer competitive mortgage rates?
Yes, our local expertise and national lender network secure competitive rates. We guarantee a $250 charity donation if we cannot match or beat other offers.
Can I apply for a mortgage online?
Yes, our online application system allows 24/7 submissions. Upload documents and track progress through our secure portal for convenient, paperless processing.
How do you assist first-time homebuyers?
We provide specialized guidance for first-time buyers, explaining loan options, down payment assistance programs, and credit requirements. Our team simplifies the process with personalized support at every stage.
What areas do you serve?
We primarily serve Southeast Georgia, including St. Simons Island, Kingsland, and surrounding communities. Our services extend to clients nationwide through digital communication tools.
