Business Details
Your Trusted Mortgage Partner in Savannah, GA
Coastal Custom Mortgage is a mortgage lending and brokerage company based in Savannah, Georgia, dedicated to providing homebuyers and homeowners with tools to achieve financial stability through real estate. Our team builds relationships with clients to understand their unique needs and guide them toward long-term financial goals. As a local lender, we work closely with clients to identify the best wholesale lenders and products tailored to their individual circumstances. Our experienced mortgage loan experts specialize in customized lending programs, including conventional, FHA, VA, USDA, jumbo, and condominium loans. We serve Georgia, South Carolina, and North Carolina, offering competitive rates and personalized service to transform eager homebuyers into successful homeowners.Our commitment to client satisfaction is reflected in our 150+ positive Google reviews and the trust our community places in us. We prioritize clear communication, transparency, and expertise in all loan programs to ensure a seamless home loan experience from application to closing. Our team members bring diverse backgrounds in banking, lending, and community involvement, enhancing our ability to serve a wide range of clients. Whether you are a first-time homebuyer or an experienced homeowner, we are here to support your real estate endeavors. Contact us today to start your journey toward homeownership with confidence.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Mortgage Loans
Condominium Loans
Refinancing Services
First-Time Homebuyer Programs
Investment Property Loans
Rural Development Loans
Highlights and features
- We offer over 15 years of combined experience in mortgage lending and banking.
- Our team provides competitive rates across multiple loan programs.
- We specialize in customized lending solutions for diverse client needs.
- We prioritize clear communication and transparency throughout the loan process.
- Our local expertise serves Georgia, South Carolina, and North Carolina markets.
What people say
Excellent loan officer
Seamless home loan experience
Competitive rates
Dedicated service
Expertise in loan types
Services
Conventional Mortgage Loans
Conventional loans offer low interest rates and high flexibility for homebuyers with strong credit and steady income. These loans require down payments ranging from 3% to 20%, with no private mortgage insurance needed for 20% or more. Coastal Custom Mortgage helps clients navigate these options to find competitive rates and terms tailored to their financial situation.
FHA Home Loans
FHA loans provide accessible homeownership opportunities for buyers with moderate incomes and lower credit scores. Insured by the Federal Housing Administration, these loans require mortgage insurance premiums but offer lenient qualification criteria. Our team simplifies the process, ensuring clients understand upfront and annual insurance costs while securing favorable terms.
VA Home Loans
VA loans offer no down payment and no private mortgage insurance for eligible veterans, active-duty members, and surviving spouses. Backed by the Department of Veterans Affairs, these loans feature flexible credit requirements. Coastal Custom Mortgage guides military families through eligibility criteria and funding fees to achieve affordable homeownership.
USDA Home Loans
USDA loans enable zero-down-payment homeownership for low- to moderate-income families in rural and suburban areas. These loans feature low interest rates and flexible credit terms. Our experts assess client eligibility based on income and location, ensuring access to this government-supported program for qualifying applicants.
Jumbo Mortgage Home Loans
Jumbo loans finance high-value properties exceeding conventional loan limits, ideal for luxury homes or competitive markets. These nonconforming loans require higher credit scores, larger down payments, and lower debt-to-income ratios. Coastal Custom Mortgage connects clients with competitive rates and tailored solutions for premium real estate investments.
People
Padraic Robertson
President
Padraic Robertson, a Savannah native, brings over 15 years of banking and mortgage lending experience to Coastal Custom Mortgage. With a background in consumer and commercial lending, he specializes in matching clients with tailored loan programs. Active in local mortgage associations, Padraic prioritizes personalized service and community engagement.
Stephanie Ringer
Senior Loan Officer
Stephanie Ringer, fluent in English and Spanish, focuses on Georgia first-time homebuyer programs. With expertise in conventional, VA, FHA, and USDA loans, she ensures affordability for diverse clients. Stephanies background in mortgage operations and membership in industry associations enhance her client-centric approach.
Sarah Arcanti
Senior Loan Officer
Sarah Arcanti transitioned from investment services to mortgage lending, leveraging her underwriting expertise. With over a decade in the industry, she excels in pipeline management and client education. Sarahs commitment to Savannahs community and history drives her personalized mortgage solutions.
Marco Lopez
Loan Officer
Marco Lopez, a retired Army veteran with 11 years in Special Operations, offers dedicated mortgage service to Savannah residents. His military discipline informs his client approach, specializing in VA and FHA loans. Marco holds advanced degrees in business and analytics, enhancing his ability to provide tailored financing options.
Whit Campbell
Senior Loan Officer
Whit Campbell prioritizes clear communication and up-to-date market knowledge for Savannah homebuyers. With experience in first-time purchases, refinancing, and investment properties, he ensures clients receive quality lending partnerships. Whits focus on transparency and client education builds lasting trust.
Questions
What mortgage loan programs does Coastal Custom Mortgage offer?
We offer conventional, FHA, VA, USDA, jumbo, and condominium loans, along with refinancing and first-time homebuyer programs tailored to diverse client needs.
Do you serve areas outside of Georgia?
Yes, we serve South Carolina and North Carolina, including Hilton Head, Bluffton, Beaufort, and surrounding regions with expert mortgage guidance.
Can I apply for a mortgage online?
Yes, apply online or contact our team directly to start your mortgage process with personalized support from application to closing.
What are the benefits of a VA loan?
VA loans offer no down payment, no private mortgage insurance, and lenient credit requirements for eligible veterans, active-duty members, and surviving spouses.
How do USDA loans work?
USDA loans provide zero-down-payment options for low- to moderate-income families in rural and suburban areas, featuring flexible credit terms and low interest rates.
What sets Coastal Custom Mortgage apart from other lenders?
Our local expertise, competitive rates, and personalized service prioritize client needs, supported by a team with decades of combined mortgage lending experience.
