Residential Mortgages
Make your heart and home happy with the right loan.
Purchase or refinance with a Residential Mortgage that suits you and where you live.
Home is Where the Heart is
Home is Where the Heart is
Connect with our mortgage experts and find your way home with our customized loan solutions, local market knowledge and responsive service.
- Experienced Lenders
- Local Connections
- Fast Pre-Qualifications
Which Loan is Right for You?
Fixed Rate Mortgages
- Constant interest rate throughout the loan period
- Predictable budgeting despite market fluctuations
- Payments remain consistent
Adjustable Rate Mortgages (ARM)
- Fluctuating interest rate which is generally lower for the initial term
- Good option if you plan on only owning your home for a few years or anticipate significant future earnings growth
Jumbo Loans
- Finance luxury homes or properties in competitive real estate markets.
- Exceed the conforming loan limits the Federal Housing Finance Agency (FHFA) set.
FHA Loans
- Great for first-time homebuyers.
- Low to moderate-income borrowers and require lower minimum down payments and credit scores.
- Issued by FHA-approved lenders and insured by the Federal Housing Administration.
VA Loans
- For veterans of the armed services
- Guarantee a portion of home loans offer favorable terms
- Guarantees are available for purchasing and refinancing
USDA Rural Housing Loans
- For USDA-backed rural areas
- Geared toward low-to-moderate income families
- Offers low-interest rates and no down payment.
Meet Our Team
Ric Spiehs
President, Chief Executive Officer, Coastal States Mortgage
Brad Ellis
Mortgage Loan Officer - Coastal States Mortgage
Hilton Head, SC
Office: (843) 689-7828
Mobile: (843) 384-6339
NMLS# 780331
Evan Faithfull
Mortgage Loan Officer
Bluffton, SC
Office: (843) 837-0151
Mobile: (843) 295-1615
NMLS# 1201490
Joey Ryan
Mortgage Loan Officer - Coastal States Mortgage
Bluffton, SC
Mobile: (843) 422-1111
NMLS# 2149572
Kim Smith
Business Development Banker
Hilton Head, SC
Office: (843) 689-7831
Mobile: (843) 422-4321
NMLS# 780344
Lisa Henry
Mortgage Loan Officer - Coastal States Mortgage
Bluffton, SC
Mobile: (843) 422-7105
NMLS# 918797
Lisa Souls
Mortgage Loan Officer - Coastal States Mortgage
Bluffton, SC
Office: (843) 705-1229
Mobile: (802) 779-2690
NMLS# 293972
We Help Our Clients Succeed Every Day
Discover Savings Options to Reach Your Goals
Discover Savings Options to Reach Your Goals
Save for your needs and dreams with high-interest savings accounts and money market accounts.