Business Details
24 Years
experience
Your Trusted Mortgage Partner in Wilmington, NC
Founded in 2002, Coastline Mortgage has established itself as Wilmington's premier mortgage company through a commitment to exceptional service and competitive rates. Our team of industry veterans, including co-owners John Russ and Chad Ludwig with 40+ combined years of experience, specializes in navigating complex lending landscapes to deliver tailored solutions. As an independent broker with access to 20+ national investors, we offer diverse loan products unavailable through traditional banks.Our proactive approach to industry changes ensures clients receive forward-thinking advice, while our focus on 100% customer satisfaction has earned us enduring trust in the Wilmington community. We serve first-time buyers, veterans, real estate investors, and homeowners seeking refinancing options, combining local expertise with nationwide lending capabilities.
Services
Mortgage Broker
Refinancing
FHA Loans
VA Loans
Conventional Loans
USDA Loans
Jumbo Loans
HARP Refinance
Purchase Loans
Home Refinance Loans
Details
- Year established: 2002
Highlights and features
- We offer 40+ years of combined mortgage industry experience.
- Our competitive rates consistently outperform national lenders.
- We provide access to 20+ loan investors unavailable at traditional banks.
- Our personalized service ensures 100% customer satisfaction.
- We specialize in local market expertise with nationwide lending capabilities.
What people say
Great rate
Responsive
Seamless process
Knowledgeable
Highly recommend
Services
Mortgage Broker
As independent mortgage brokers, we connect borrowers with 20+ national lenders to find optimal loan products. Our expertise spans conventional, government-backed, and specialty loans, offering solutions unavailable through traditional banks. We provide personalized rate comparisons and streamline the application process for purchase or refinance transactions.
FHA Loans
We specialize in FHA loans requiring 3.5% down payments, ideal for first-time homebuyers. Our team simplifies the FHA streamline refinance process with minimal documentation and no appraisal requirements. We help borrowers access low down payment options while maintaining competitive interest rates.
VA Loans
We offer 100% financing VA loans for qualified veterans with no down payment requirements. Our specialists assist military personnel and veterans in maximizing their VA benefits while navigating the unique documentation process for these zero-down mortgage options.
USDA Loans
We provide USDA loans for rural properties with 100% financing based on county income limits. Our advisors help borrowers determine eligibility for these location-specific programs that combine no down payment requirements with competitive interest rates.
HARP Refinance
We facilitate HARP refinances for borrowers with underwater mortgages or previous denial histories. Our experts analyze eligibility for this government program designed to lower monthly payments through reduced interest rates without equity requirements.
People
John Russ
Co-Owner
With 20+ years in mortgage lending, John co-founded Coastline Mortgage to combine local expertise with national lending networks. He specializes in complex loan structures and maintains NC/FL licenses to serve diverse client needs.
Chad Ludwig
Co-Owner
Chad brings 20+ years of mortgage experience, focusing on client education and rate optimization. As co-owner, he ensures every borrower receives personalized guidance through NC's evolving lending landscape while maintaining FL licensing for expanded service capabilities.
Questions
What loan programs do you offer?
We provide FHA, VA, USDA, conventional, jumbo, and HARP refinance loans. Our access to 20+ lenders ensures diverse options unavailable at traditional banks.
Can you help with first-time homebuyer programs?
Yes, we specialize in FHA loans with 3.5% down and NC-specific programs. Our team explains all eligibility requirements and down payment assistance options.
Do you service areas outside Wilmington?
We serve all North Carolina locations including Raleigh, Asheville, and Charlotte. Our mortgage brokerage model allows statewide lending through national investor partnerships.
How do you maintain competitive rates?
By working with 20+ lenders, we shop rates daily to find your best option. Our volume partnerships enable pricing advantages passed directly to borrowers.
What's your application process like?
We start with a free consultation to assess your financial situation. Our online tools streamline document submission, and dedicated loan officers provide real-time updates throughout the process.
