Business Details
20 Years
experience
Your Trusted Mortgage Partner in Charleston, SC
Coastlend Mortgage was founded on the belief that a strong community begins with homeownership. Our mission is to make the dream of home ownership accessible to all clients through personalized service and competitive loan products. We specialize in working with first-time buyers, investors, high net worth borrowers, low to moderate income borrowers, self-employed individuals, and Hometown Heroes including military personnel, nurses, firefighters, and police officers. Our team undergoes extensive training to ensure they possess the knowledge and skills necessary to guide clients through the mortgage process. Our founder, Eddie O'Neill, began his career with The Ritz Carlton Hotel Company, where he mastered the art of exceptional customer service.He brought this same level of service to the mortgage industry, ensuring every client's experience instills confidence, builds trust, and fulfills their dreams. With over a decade of experience in the mortgage business, Eddie has closed over 1,100 home loans totaling more than $275 million. His attention to detail, commitment to quality, and competitive lending practices have earned him respect from clients and colleagues alike. At Coastlend Mortgage, our motto of Honesty, Integrity, and Fair Lending guides every decision we make. We are dedicated to changing the face of lending to become leaders in our community and yours. We invite you to begin your journey to homeownership by filling out our application or contacting us directly.
Services
Conventional Loans
Government Loans
VA Loans
USDA Loans
FHA Loans
Jumbo Loans
Refinancing
First-Time Buyer Programs
Details
- Year established: 2006
Highlights and features
- We specialize in tailored mortgage solutions for diverse client profiles, including first-time buyers and Hometown Heroes.
- Our founder brings over a decade of mortgage industry experience and a background in luxury hospitality service.
- We offer a streamlined, stress-free home buying process with fast loan approvals.
- Our team undergoes rigorous training to ensure expert guidance through complex lending requirements.
- We prioritize community impact through fair lending practices and local engagement.
Services
Conventional Loans
Conventional loans offer competitive rates with flexible down payment options starting at 3%. These fixed-rate mortgages are ideal for borrowers with strong credit histories seeking predictable monthly payments. Our streamlined approval process ensures quick access to funding for qualified applicants.
Government Loans
We offer VA, USDA, and FHA loans with specialized benefits for eligible borrowers. These programs provide low down payments, relaxed credit requirements, and favorable interest rates. Our experts guide clients through qualification criteria and documentation requirements for each government loan type.
Jumbo Loans
Jumbo loans cater to high-value property purchases exceeding conforming loan limits. Our customized solutions accommodate luxury home buyers with tailored underwriting standards and competitive pricing. We provide clear guidance on current loan limit thresholds and qualification parameters.
Refinancing
Our refinancing options help homeowners reduce monthly payments, shorten loan terms, or access equity. We analyze current market conditions and individual financial situations to recommend optimal refinancing strategies with transparent cost breakdowns.
First-Time Buyer Programs
Specialized programs address first-time buyers' unique needs with down payment assistance and educational resources. We simplify the process through step-by-step guidance, credit requirement explanations, and pre-approval support to build purchasing confidence.
People
Eddie O'Neill
Founder/President & CEO
Eddie founded Coastlend Mortgage in 2006 after a career with The Ritz Carlton. He has originated over $275M in residential loans since 2004. A USC graduate, he combines luxury service standards with mortgage expertise to lead our Charleston-based team.
Eileen Reichart
Senior Loan Officer
With 20+ years in mortgage lending, Eileen specializes in loan approvals and client guidance. A College at Brockport graduate, she ensures smooth processing for Charleston-area homebuyers while balancing family life with her husband and two children.
Michael Joyce
Loan Officer
Michael assists clients with loan qualification and documentation. A former student athlete from Brock University, he applies sports discipline to mortgage services. Based in Charleston, he helps clients achieve real estate goals with personalized attention.
Elizabeth Owens
Loan Officer
Elizabeth specializes in client communication and loan processing. A USC graduate, she values helping families secure home financing. Her Charleston roots and customer-focused approach make her a trusted advisor in Lowcountry real estate transactions.
Ladonna Bentley
Head Processor
With over a decade of loan processing experience, Ladonna manages document verification and underwriting coordination. She ensures timely closings through meticulous attention to detail. Based in Murrells Inlet, she serves as clients' primary contact during the final loan stages.
Questions
What mortgage options are available for first-time homebuyers?
We offer specialized programs with down payment assistance, reduced credit requirements, and educational resources. Our 3% Down Conventional Loan and FHA options provide accessible pathways to homeownership for new buyers.
How does the mortgage approval process work?
Our four-step process begins with pre-qualification, followed by document submission, underwriting, and final closing preparations. Most loans receive conditional approval within 6 hours of document receipt, with closing typically within 30-45 days.
Can military veterans receive special mortgage benefits?
Yes, we offer VA loans with zero down payment requirements and competitive rates for eligible veterans and surviving spouses. Our team specializes in maximizing VA loan benefits while simplifying the application process.
What documentation is required for mortgage approval?
Standard requirements include W-2 forms, pay stubs, bank statements, and employment verification. Self-employed applicants need additional tax documentation. We provide personalized checklists and guidance for each loan type.
Do you offer jumbo loans for luxury properties?
Yes, we provide jumbo loans exceeding conforming loan limits with tailored underwriting standards. Our experts help Charleston-area luxury home buyers navigate current market requirements and secure competitive financing terms.
