Coastal Mortgage Company is committed to helping you find the right home mortgage for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.
We offer the full range of home loan products, and we can tailor a solution to meet your unique needs. Conventional loans, VA loans, FHA loans and more! Serving St Marys and surrounding areas. You will not regret using Kevin VanHorn and Coastal Mortgage for your next refinance or new loan! They are top notch and treated us like family. They are punctual and got the job done while making us feel like a valued client and friend.
Don't waste your time with big mortgage companies because they don't come close to the quality service or rates Kevin can get you! Kevin and his team are the best! His commitment to his clients having a seamless experience of the dreaded mortage process from start to closing is second to none! Kevin will treat you like family and get the job done.
We offer the full range of home loan products, and we can tailor a solution to meet your unique needs. Conventional loans, VA loans, FHA loans and more! Serving St Marys and surrounding areas. You will not regret using Kevin VanHorn and Coastal Mortgage for your next refinance or new loan! They are top notch and treated us like family. They are punctual and got the job done while making us feel like a valued client and friend.
Don't waste your time with big mortgage companies because they don't come close to the quality service or rates Kevin can get you! Kevin and his team are the best! His commitment to his clients having a seamless experience of the dreaded mortage process from start to closing is second to none! Kevin will treat you like family and get the job done.
Services
We are committed to being your mortgage experts and guiding you through the loan process from application to closing.
As a mortgage brokerage, we have the advantage of shopping for the best loan products and terms to fit individual needs.
We pride ourselves in world class service, with a small town feel and are always dedicated to putting our clients first!
Hi! My name is Eliane Smith (pronounced Ellie-Ahn), and I am a Mortgage Loan Officer with Coastal Mortgage Company.
I've had the privilege of serving Camden County for the past 14 years as a Finance Professional in my career and in various volunteer opportunities.
As a mortgage brokerage, we have the advantage of shopping for the best loan products and terms to fit individual needs.
We pride ourselves in world class service, with a small town feel and are always dedicated to putting our clients first!
Hi! My name is Eliane Smith (pronounced Ellie-Ahn), and I am a Mortgage Loan Officer with Coastal Mortgage Company.
I've had the privilege of serving Camden County for the past 14 years as a Finance Professional in my career and in various volunteer opportunities.
Many types of mortgage loans exist; conventional loans, FHA loans, VA loans, fixed-rate loans, adjustable-rate mortgages, jumbo loans, and more.
Each mortgage loan may require certain down payments or specify standards for loan amount, mortgage insurance, and interest.
With these and other loan products its always best to consult your mortgage professional to see what products are right for you.
Each mortgage loan may require certain down payments or specify standards for loan amount, mortgage insurance, and interest.
With these and other loan products its always best to consult your mortgage professional to see what products are right for you.
A Conventional Loan is a mortgage that is not backed by any Government agency, such as the Federal Housing Administration (FHA), Veterans Administration (VA) or USDA (United States Department of Agriculture).
Conventional loans must meet the lending requirements of Fannie Mae and Freddie Mac, the two largest buyers of mortgage loans in the US.
Most conventional mortgages are issued by private lenders who then sell the loan to one of these Government Sponsored Entities (GSE's).
Available for second homes and investment properties PMI cancels when the LTV reaches 78% Lower PUpMI rates than FHA Conventional 97 with 3% down.
Conventional loans must meet the lending requirements of Fannie Mae and Freddie Mac, the two largest buyers of mortgage loans in the US.
Most conventional mortgages are issued by private lenders who then sell the loan to one of these Government Sponsored Entities (GSE's).
Available for second homes and investment properties PMI cancels when the LTV reaches 78% Lower PUpMI rates than FHA Conventional 97 with 3% down.
A VA loan is a mortgage loan available through a program established by the United States Department of Veterans Affairs.
VA loans assist service members, veterans, and eligible surviving spouses to become homeowners.
The VA sets the qualifying standards, dictates the terms of the mortgages offered and guarantees a portion of the loan.
VA home loans are provided by private lenders, such as banks and mortgage companies.
No down payment is mandated unless required by the lender, or if the purchase price is above the established property value.
VA loans assist service members, veterans, and eligible surviving spouses to become homeowners.
The VA sets the qualifying standards, dictates the terms of the mortgages offered and guarantees a portion of the loan.
VA home loans are provided by private lenders, such as banks and mortgage companies.
No down payment is mandated unless required by the lender, or if the purchase price is above the established property value.
An FHA loan is a mortgage issued by an FHA-approved lender and insured by the Federal Housing Administration (FHA).
Designed for low-to-moderate income borrowers, FHA loans require a lower minimum down payments and credit scores than many conventional loans.
You can borrow up to 96.5% of the value of a home with an FHA loan, with a down payment of 3.5%.
With FHA loans, your down payment can come from savings, a financial gift from a family member or a grant for down-payment assistance.
An FHA loan requires that you pay two types of mortgage insurance premiums-an Upfront Mortgage Insurance Premium (UFMIP) and an Annual MIP (charged monthly).
Designed for low-to-moderate income borrowers, FHA loans require a lower minimum down payments and credit scores than many conventional loans.
You can borrow up to 96.5% of the value of a home with an FHA loan, with a down payment of 3.5%.
With FHA loans, your down payment can come from savings, a financial gift from a family member or a grant for down-payment assistance.
An FHA loan requires that you pay two types of mortgage insurance premiums-an Upfront Mortgage Insurance Premium (UFMIP) and an Annual MIP (charged monthly).
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