The Right Guide For Your Journey Home

Reliability – Your Trusted Guide

Whether it’s your first, next, vacation, or forever home — choosing the right loan officer and lender is a critical piece of the process. We are honored that so many of our homebuying clients choose to put their trust in us again and again. No matter the size of the loan, it’s always a big deal, and we’ll be there with you every step of the way.

Experience – Helping You Make Your Next Move – Be Your Best Move

In today’s ever-changing homebuying environment, you’ll need someone who has local connections and who understands lending guidelines inside and out. Whether it’s conventional, FHA, VA, USDA, Jumbo, or a Refinance our knowledge and experience are unmatched. We provide every client with a custom-tailored mortgage solution ideally suited for their unique financial needs.

Commitment – One Team, One Mission

We believe that a closed loan is just the beginning of our journey together. Throughout the life of your loan, my team and I will help you monitor your home investment to discover new cost-saving opportunities and help you plan and achieve your future home purchase and refinance goals. Most importantly we’ll provide you with the tools and knowledge you need to leverage and take full advantage of your home investment making it work to your benefit.

My Promise to You as a Valued Client
  • Provide a smooth, easy, and stress-free process
  • Help you feel informed and confident in your home financing choices
  • Match short and long-term goal strategies through tailored mortgage solutions
  • Communicate regularly and consistently so you can relax and enjoy this new chapter of homeownership
Licensed in:
Maryland, North Carolina, Virginia

Team Craig Loans at Atlantic Coast Mortgage

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Joalyne Craig

SVP | Sales Manager,
Sr. Loan Officer
NMLS ID 290277
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Joanna Butler

Sr. Loan Officer
NMLS ID 310500
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Kyrsten Ayres

Loan Officer
NMLS ID 1621888
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Kristen Lucas

Loan Officer
NMLS ID 994080
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What Others Are Saying About Kristen

Kristen was very helpful, knowledgeable, and professional. She asked for all required documents up front and let me know where we were at every step of the process. Her professionalism and understanding of the process made this a seamless process for my family, we were nervous at the start because... Read More
Very pleasant and friendly. Knowledgeable on the questions we had and Kristen was able to get us the answer quickly if she did not know right away. Great availability. My wife and I work off set hours for work, so having Kristen available in the evenings was so helpful.
Kristen was amazing to work with. She made our dreams of homeownership possible when others told us that they couldn't. Kristen was always available whenever we had a question and she answered them in a way that we could easily understand. Kristen worked closely with us and out agent to make sure that... Read More
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Homebuying Essentials

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Kristen Lucas

Loan Officer NMLS ID 994080

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Address 923 Maple Grove Drive, Suite 205
Fredericksburg, VA 22407

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