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Residential Mortgages

Home sweet loans.

Choosing the right loan is as important as choosing the right home. Whether you are looking to purchase, or refinance your home, Coastal States Mortgage offers a wide variety of loan programs, all designed to meet your individual needs.
Fixed Rate Mortgages
With an interest rate that remains constant for the life of the loan, a fixed rate mortgage makes budgeting predictable regardless of market fluctuations. If you prefer knowing exactly how much of a payment is due each month for the life of the loan, then a fixed rate mortgage may be what you are looking for. 
Adjustable Rate Mortgages (ARM)
Unlike fixed rate mortgages, the interest rate on an ARM will change periodically. The initial interest rate is generally lower for the initial term but subject to change thereafter. Consequently, an ARM may be a good option if you plan to own your home for only a few years or you expect an increase in future earnings.
Jumbo Loans
Designed to finance luxury homes or properties in highly competitive real estate markets, a jumbo mortgage is a home loan for an amount that exceeds conforming loan limits set by the Federal Housing Finance Agency (FHFA). 
FHA Loans
A popular option for first time homebuyers, FHA loans are designed for low-to-moderate income borrowers.  These loans require lower minimum down payments and credit scores than many conventional loans.  An FHA loan is a mortgage issued by an FHA-approved lender and insured by the Federal Housing Administration (FHA).
VA Loans
As a veteran of the armed services, you deserve special thanks for your service.  VA Loans guarantee a portion of home loans to help eligible applicants obtain more favorable terms when borrowing money to purchase a home. These guarantees are available for purchasing, repairing, or building homes.
USDA Rural Housing Loans
Live in a rural area?  Coastal States Mortgage offers mortgages for homes in eligible rural areas that are backed by the United States Department of Agriculture (USDA). These loans, geared towards low-to-moderate income families, offer low interest rates and no down payment is required.

Mortgage Team

We know that purchasing, building or refinancing your home can be an exciting but stressful time. 
Contact one of our experienced mortgage loan originators below to work with you to find the right loan to match your needs.
Matt Minasi
Mortgage Sales Manager
Coastal States Mortgage
7 Thurmond Way
Bluffton, SC 29910
Office: (843) 837-0129
Mobile: (843) 290-3245
Fax: (843) 689-7883
NMLS# 659245
Bradley Ellis
Mortgage Loan Officer
Coastal States Mortgage
5 Bow Circle
Hilton Head,  SC 29928
Office: (843) 689-7828
Mobile: (843) 384-6339
Fax: (843) 689-7833 in a new Window)
NMLS# 780331

Kim Smith
Mortgage Loan Officer
Coastal States Mortgage
98 Main Street
Hilton Head, SC 29926
Office: (843) 689-7831
Mobile: (843) 422-4321
NMLS# 780344
Lisa Henry
Mortgage Loan Officer
Coastal States Mortgage
7 Thurmond Way
Bluffton, SC  29910
Office: (843) 837-0133
Mobile: (843) 422-7105 in a new Window)
NMLS# 918797

Joey Ryan
Mortgage Loan Officer
Coastal States Mortgage
7 Thurmond Way
Bluffton, SC 29910
Office: (843) 837-0130
Mobile: (843) 422-1111
NMLS# 2149672

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