Business Details
Your Trusted Mortgage Partner in St Marys, GA
We are committed to guiding clients through the mortgage loan process from application to closing with expertise and personalized service. As a mortgage brokerage, we leverage our industry connections to secure the best loan products and terms tailored to individual needs. Our team prioritizes world-class service with a small-town feel, ensuring clients remain our top priority at every stage. With decades of combined experience in mortgage lending, we specialize in simplifying complex financial decisions through transparent communication and tailored solutions.Our dedication to responsiveness and fast turnaround times has earned us recognition as the Best Mortgage Broker in Camden County for three consecutive years. We serve St. Marys, Georgia, and surrounding areas, fostering community trust through local engagement and reliable support. Our mission is to make homeownership accessible and stress-free, whether you're a first-time buyer or refinancing an existing property.
Services
Conventional Loans
VA Loans
FHA Loans
USDA Loans
Jumbo Loans
Highlights and features
- We offer 21 years of mortgage expertise tailored to individual client needs.
- Our team provides fast turn times and responsive communication throughout the process.
- We are locally vested lenders with deep community knowledge in Camden County.
- Our clients benefit from personalized loan products and competitive rate negotiations.
- We maintain a seamless, stress-free mortgage process from application to closing.
Associations and certifications
- NMLS
- Georgia Residential Mortgage Licensee
What people say
Seamless closing process
Knowledgeable and responsive
Stress-free experience
Competitive rates secured
Personalized loan solutions
Services
Conventional Loans
Conventional loans provide flexible financing options for homebuyers with strong credit histories. These mortgages are ideal for purchasing primary residences, second homes, or investment properties. Our team helps clients navigate loan terms, down payment requirements, and competitive interest rates to secure optimal solutions.
VA Loans
VA loans offer low-rate financing for eligible veterans, active-duty service members, and surviving spouses. We specialize in streamlining VA loan processes, minimizing paperwork, and ensuring compliance with military-specific lending guidelines. Our expertise ensures timely closings for those who qualify.
FHA Loans
FHA loans enable first-time buyers to purchase homes with lower down payments and credit score requirements. Our specialists guide clients through FHA program nuances, including mortgage insurance premiums and property eligibility standards, to make homeownership accessible.
USDA Loans
USDA loans provide zero-down payment options for qualifying buyers in designated rural areas. We assist clients in meeting income limits and property location criteria while ensuring smooth USDA underwriting and approval processes.
Jumbo Loans
Jumbo loans cater to high-value property purchases exceeding conventional loan limits. Our brokers connect clients with specialized lenders, competitive rates, and tailored underwriting to accommodate luxury home financing needs in Camden County.
People
Kevin Van Horn
Loan Officer / Partner
Kevin Van Horn, a Camden County native with 20 years of mortgage lending experience, specializes in personalized loan solutions. He prioritizes client education and transparent communication to simplify complex transactions.
Eliane Smith
Loan Officer / Partner
Eliane Smith brings 14 years of local finance expertise to Coastal Mortgage Company. Her client-focused approach emphasizes thorough guidance and prompt communication throughout the mortgage process.
Dillon Clemons
Loan Officer
Dillon Clemons, a mortgage industry professional since 2016, excels in explaining loan guidelines and streamlining homeownership journeys. He actively supports community initiatives while serving local clients.
Questions
What types of mortgage loans do you offer?
We provide conventional, VA, FHA, USDA, and jumbo loans tailored to meet diverse homeownership needs and financial situations.
How quickly can you close a mortgage?
Our average closing time is under 30 days, with efficient processing from application to final approval.
Do you work with first-time homebuyers?
Yes, we specialize in guiding first-time buyers through loan options, down payment assistance, and simplified documentation.
Are your mortgage rates competitive?
We negotiate aggressively with lenders to secure the best available rates based on your credit profile and market conditions.
Can I apply for a mortgage online?
Start your application instantly through our secure online portal for faster pre-approval and streamlined processing.
Do you service the Camden County area?
We proudly serve St. Marys and surrounding Camden County communities with local expertise and personalized support.
