Mortgage Team

Ric Spiehs
President, Chief Executive Officer 
Coastal States Mortgage, A Subsidiary of Coastal States Bank
5 Bow Circle
Hilton Head, SC 29928
Office: 843-341-9944 
Mobile: 843-290-4416
NMLS# 416763
Ric returned to Coastal States Bank in 2018 to serve as President and Chief Executive Officer of Coastal States Mortgage, the Bank’s wholly-owned subsidiary. Ric has over 15 years of experience in the mortgage industry, in various sales and management roles at local mortgage companies and national retail banks. Ric’s vast experience in mortgage sales management has provided leadership through the ever-changing landscape of the mortgage lending business. He has served as president of the Mortgage Lender’s Association of Hilton Head. Ric holds a Master’s in Business Administration from the University of South Carolina and a Bachelor of Business Administration from Temple University.

 
Matt Minasi
Mortgage Sales Manager
Coastal States Mortgage, A Subsidiary of Coastal States Bank
7 Thurmond Way
Bluffton, SC 29910
Office: (843) 837-0129
Mobile: (843)290-3245
Fax: (843)689-7883
NMLS# 659245

Matt brings 15 years of low country mortgage experience to CSM specializing in retirement home purchases.  He has resided in the Bluffton community since 1986.  Matt is married to his wife Kelly has two children Jake and Molly.  He enjoys spending time with family, boating and fishing.  He is here to help with all your home financing needs.

 
Bradley M. Ellis
Mortgage Loan Officer
Coastal States Mortgage, A Subsidiary of Coastal States Bank
5 Bow Circle
Hilton Head, SC 29928
Office: (843) 689-7828 
Mobile: (843) 384-6339 
Fax: (843) 689-7833
NMLS# 780331

Bradley (Brad) has been a residential mortgage loan officer in the Lowcountry since 1993 and specializes in all types of residential mortgage lending. An island resident since 1984, Brad has over 25 years of local residential lending experience to help buyers and homeowners formulate the best financial strategy for their particular situation. A southern New Jersey native, Brad is a graduate of Glassboro State College (Rowan University) where he earned a degree in business. The father of two sons, Brad and his wife, Angela, are happy to call the Lowcountry their home. Enjoying the outdoors, boating and fishing are some things Brad enjoys. Brad is also a strong supporter of the Hilton Head Humane Society.

 

Paul Furr
Mortgage Loan Officer
Coastal States Mortgage, A Subsidiary of Coastal States Bank
7 Thurmond Way
Bluffton, SC 29910
Office: (843) 837∙0128
Mobile: (770) 500∙6634
NMLS# 1531314

Paul brings 2+ years of industry experience to his position as a Mortgage Loan Officer. Paul specializes in all forms of mortgage loan products from conventional to government as well as specialty portfolio products in the Bluffton office. Paul enjoys being outside, is involved with his church, and works with several local charities.

 

Kim Smith
Mortgage Loan Officer
Coastal States Mortgage, A Subsidiary of Coastal States Bank
98 Main St
Hilton Head Island, SC 29928
Office: (843) 689-7808 
Mobile: (843) 422-4321 
NMLS# 780344

Kim brings over 20 years of industry experience to her position as a Mortgage Loan Officer at CSB.  Kim specializes in residential mortgages in our Main Street office.  When Kim is not working she enjoys going to the beach and boating with her daughter and husband.    

 

Sally Zuniga
Mortgage Loan Officer
Coastal States Mortgage, A Subsidiary of Coastal States Bank
98 Main St.
Hilton Head Island, SC 29926
Office: (843) 341-9968
Mobile: (843) 422-2574
NMLS# 1756726

Sally brings four years of industry experience to her position as a Mortgage Loan Officer.  Sally specializes in residential home loans for our Hilton Head Island North End office. Sally is married to Chef Lynden Zuniga, who will be opening Tio’s in Shelter Cove and they have three daughters. Sally volunteers often in the local public schools and enjoys spending time with friends and family.