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.
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.
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!
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.
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.
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.
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%.
Reviews (10)
Katlyn York
Oct 26, 2021
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Casey
Oct 23, 2021
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Eliane helped me get a fantastic loan so I could purchase my first home! She was referred to me through a friend, and even though she wasn’t local for me, she helped me get the best possible loan after shopping around at other places. She answered all of my questions, and as a first time home buyer, I had ALOT. She even informed me on a class I could take to help reduce my closing costs to save me more money! She is extremely professional, trustworthy, knowledgeable, and very easy to talk to. I would recommend Eliane to anyone and will use her again for my next house. Thank you again, Eliane
Kris Patterson
Oct 18, 2021
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Lee Ivey
Jul 30, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Eliane Smith was extremely helpful throughout all of the stages of buying my home. It was my first time buying a home and she always answered my questions promptly and made sure I understood the steps of the process. Eliane was wonderful to work with!
Eliane Smith was extremely helpful throughout all of the stages of buying my home. It was my first time buying a home and she always answered my questions promptly and made sure I understood the steps of the process. Eliane was wonderful to work with!
Chris Lozada
Apr 04, 2021
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Kevin ran me through many options and gave me pro's and con's for all before we settled on one. He knew a lot of my situation from a prior re-fi and gave me different scenarios which i appreciated. We were able to lock before stuff started going back up. Everything went smoothly and exceeded my expectations. He's my go-to for any future mortgage purchases/refi's. Highly recommend!!
Keith Herrin
Feb 01, 2021
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Between purchasing or refinancing my homes, I’ve "experienced" the mortgage process on 7 different occasions. Hands down, Eliane Smith made this my easiest experience by far. From the day I just stopped by her office asking about a refi, to closing day, Eliane was a joy to work with. She had basically handled the bulk of the process (helping complete my application) while I sat across from her day one in her office. During the process I always felt like she was truly “working” on my behalf to secure me the best rate and plan for me. From inquiry to close was only 33 days and that was over
Maggie P.
Dec 06, 2020
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I have had the pleasure of working with both Kevin Van Horn and Eliane Smith for the last several years. With each of their clients, they take the time needed to review each ones needs and any special circumstances to ensure they are matched with the best loan / best rate available. They are very knowledgeable and customer oriented and work diligently to make the process of getting a loan from Coastal Mortgage a positive experience.
Jackie Frye
Jul 24, 2020
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As a REALTOR it is important for me to be able to depend on the lender. Both Kevin and Eliane are awesome to work with. They work hard to find the right loan product for the Buyer. The Buyer is not passed from person to person. You work with them from loan application to closing. This eliminates so much confusion. The Buyer's are always happy with them. Communication is very important. They both keep everyone in the loop.
Christina Cannistraro
Jul 10, 2020
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Jennifer Jutton
Jun 29, 2020
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Being a first time homebuyer there is a lot of stress. Eliane Smith went over and above to take so much of that away. She handled everything professionally and with rapid speed. We had a deadline to move and she made it happen. The last week before closing my father had passed. I was a mess, but she was right there to walk me thru the final things needed to close on time. Daily text messages to let me know we were on track and pace to close by the end of the week. I would highly recommend anyone to her moving forward, she is amazing at what she does! Thank you Eliane so much for all you have done
