A LITTLE ABOUT ME

Personalized Mortgage Guidance Since 2001 — Powered by Silver Lining Solutions at Atlantic Coast Mortgage

Every Situation Has a Silver Lining

For over two decades, Kim has helped individuals and families navigate home financing decisions with one goal: to bring clarity, confidence, and peace of mind to what can feel like a complex process. Through her personal approach, Silver Lining Solutions, Kim focuses on helping clients see the full financial picture—turning challenges into opportunities.

 

Bringing Education and Transparency to Home Financing

Kim’s career began in the title industry, where she saw firsthand how overwhelming homebuying decisions can be without the right information. That experience inspired her to become not just a mortgage professional but a guide; someone who helps clients fully understand the options available to them and how each choice may impact their long-term goals.

Now, as part of Atlantic Coast Mortgage, Kim leverages advanced tools like Total Cost Analysis to present clear, side-by-side comparisons of loan programs. By breaking down complex numbers into meaningful conversations, she empowers clients to make informed decisions that align with their immediate needs and future financial goals.

 

Silver Lining Solutions: More Than a Loan, It’s A Strategy

For Kim, securing financing is only part of the process. Through Silver Lining Solutions, she works closely with each client to explore how homeownership can serve as a foundation for long-term financial well-being. Her approach is rooted in education, personal attention, and ongoing support well beyond the closing table.

 

Committed to Service, In Business & In Life

Kim is equally passionate about giving back to her community. She actively supports:

  • Homes for Heroes – Serving military members, first responders, healthcare workers, and educators.
  • Samaritan House – Assisting individuals and families facing crisis.
  • Women Against Violence – Promoting safety and support for those in need.

Her professional mission and community involvement reflect her ongoing dedication to making a meaningful difference.

 

Your Trusted Partner at Atlantic Coast Mortgage

Whether you’re purchasing your first home, refinancing, or exploring homeownership for the future, Kim and her Silver Lining Solutions approach provide honest, personalized guidance every step of the way.

Licensed in:
Florida, North Carolina, Pennsylvania, Virginia
Affiliations:
  • Homes for Heroes: Supporting those who serve our nation
  • Samaritan House: Offering hope to those in need
  • Women Against Violence: Standing up for a safer community

Doing business in Pennsylvania under the trade name ACM, LLC of PA

This is an advertisement and is not a commitment to lend.

Homebuying Essentials

  • Proud Sponsor Of:
  • Children's National Hospital Logo
  • Children's Hospital of the King's Daughters (CHKD) Logo
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Kim Vap

Sr. Loan Officer NMLS ID 796166

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Address 932 Laskin Road, Suite 100
Virginia Beach, VA 23451

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