Business Details
Your Trusted Mortgage Partner in Savannah, GA
Coastal Custom Mortgage is a mortgage lending and brokerage company dedicated to helping homebuyers and homeowners achieve financial stability through customized real estate solutions. Based in Savannah, Georgia, we serve clients across Georgia, South Carolina, and North Carolina, offering personalized guidance from application to closing. Our team of experienced professionals specializes in a wide range of loan programs, including conventional, FHA, VA, USDA, jumbo, and condominium loans.We prioritize building long-term relationships with clients, ensuring they receive competitive rates and tailored advice to meet their unique needs. With deep local expertise and a commitment to transparency, we streamline the mortgage process to make homeownership accessible and stress-free. Our focus on client satisfaction has earned us over 150 positive reviews, reflecting our dedication to excellence in service and community engagement.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Condominium Loans
Highlights and features
- We offer over 150+ verified customer reviews and local expertise in Savannah.
- Our team specializes in diverse loan programs, including VA and USDA loans.
- We provide competitive rates and personalized guidance for first-time homebuyers.
- Our loan officers hold NMLSR licenses and state-specific certifications.
- We streamline the mortgage process with a focus on client education and support.
What people say
Excellent loan officer
Knowledge of credit guidelines
Seamless home loan experience
Flexible with situations
Dedicated service
Services
Conventional Mortgage Loans
Conventional loans offer low interest rates and flexible down payment options for homebuyers with strong credit. These non-government-backed mortgages allow terms from 3% to 20% down, with competitive rates for those meeting income and debt-to-income requirements. Coastal Custom Mortgage helps clients navigate eligibility criteria and select optimal fixed-term options.
FHA Home Loans
FHA loans provide accessible homeownership for buyers with moderate incomes or lower credit scores. Insured by the Federal Housing Administration, these loans require upfront and annual mortgage insurance premiums but allow down payments as low as 3.5%. Our team simplifies the application process and explains insurance requirements.
VA Home Loans
VA loans offer no-down-payment options for veterans, active-duty service members, and surviving spouses. Backed by the Department of Veterans Affairs, these loans waive private mortgage insurance and feature lenient credit requirements. Coastal Custom Mortgage guides military families through eligibility criteria and funding fee options.
USDA Home Loans
USDA loans enable zero-down homeownership for low- to moderate-income buyers in rural or suburban areas. These government-backed loans feature low interest rates and flexible credit standards, with eligibility based on location and income limits. Our experts help clients determine qualification and complete applications.
Jumbo Mortgage Home Loans
Jumbo loans finance high-value properties exceeding conventional loan limits. These non-conforming mortgages require higher credit scores, larger down payments, and lower debt-to-income ratios. Coastal Custom Mortgage connects clients with wholesale lenders to secure competitive rates for luxury or investment properties.
People
Padraic Robertson
President
Padraic Robertson, a Savannah native, has over 15 years of mortgage lending experience. He specializes in conventional, VA, FHA, and USDA loans, leveraging his banking background to match clients with optimal programs. Active in local mortgage associations, he prioritizes client relationships and community involvement.
Stephanie Ringer
Senior Loan Officer
Stephanie Ringer, fluent in English and Spanish, focuses on Georgia first-time homebuyer programs. With expertise in conventional and government loans, she helps diverse clients achieve homeownership. A member of the Hispanic Chamber of Commerce, she emphasizes affordability and financial education for borrowers.
Sarah Arcanti
Senior Loan Officer
Sarah Arcanti brings extensive underwriting experience to Coastal Custom Mortgage, managing over $150 million in production volume prior to loan origination. She specializes in mortgage guidelines and client-first service, combining her communication background with financial expertise to simplify complex lending processes.
Marco Lopez
Loan Officer
Marco Lopez, a retired Army veteran with 13 combat deployments, offers dedicated service to military and civilian clients. He holds advanced degrees in business and analytics, applying military precision to mortgage lending. His focus on VA loans and personalized solutions reflects his commitment to community service.
Whit Campbell
Senior Loan Officer
Whit Campbell specializes in guiding Savannah-area homebuyers through refinancing, investment properties, and primary residence purchases. With a focus on clear communication and up-to-date market knowledge, he ensures clients receive tailored advice and transparent information throughout the mortgage process.
Questions
What mortgage loan programs do you offer?
We offer conventional, FHA, VA, USDA, jumbo, and condominium loans tailored to meet diverse homebuying needs.
Do you serve first-time homebuyers?
Yes, we specialize in first-time homebuyer programs and provide personalized guidance for new purchasers.
Can I apply for a mortgage online?
Yes, you can start your application online or contact us directly for personalized assistance.
What areas do you serve?
We serve Georgia, South Carolina, and North Carolina, including Savannah, Hilton Head, and Charlotte.
Are VA loans available for military families?
Yes, we offer VA loans with no down payment requirements for eligible veterans and service members.
