REFINANCING AN EXISTING MORTGAGE MAY INCREASE YOUR TOTAL FINANCE CHARGES OVER THE LIFE OF THE LOAN. Your actual rate, payment, and costs will vary based on factors such as your credit profile, loan amount, loan-to-value ratio, debt-to-income ratio, and property type. A cash-out refinance replaces your current mortgage with a new, larger loan, allowing you to access the difference as cash. The interest rate on your new loan may be higher or lower than your existing rate, potentially affecting your monthly payment and overall loan costs.

This is not a commitment to lend. Before proceeding, we encourage you to carefully review all loan terms and disclosures, including a Loan Estimate, which provides a detailed breakdown of rates, fees, and costs. Contact ACM for a personalized assessment based on your financial situation.

Notice: ACM is not affiliated with or acting on behalf of or at the direction of FHA, VA, USDA, or the federal or any state government. Eligibility for all applicants cannot be guaranteed.

Trusted By Thousands Of Homeowners

Over 38,800 Five-Star Reviews

Helping homeowners make informed mortgage decisions is what we do best. See what borrowers have to say about their experience with Atlantic Coast Mortgage.

Great Refi Experience

Easy to communicate with. willing to spend time going over plenty of options and scenarios. Very responsive and polite, and also clear and to the point. The whole team did a great job and everyone was...

Owen G.
Review from Experience.com
Absolutely Amazing!

The entire team at ACM was absolutely amazing... I would highly recommend them [ACM] for anyone looking to purchase or refinance!

Charis B.
Review from Experience.com
Simple and Easy

Easy to communicate with. willing to spend time going over plenty of options and scenarios. Very responsive and polite, and also clear and to the point. The whole team did a great job and everyone was...

John S.
Review from Experience.com
Lived Up to Expectations!

I’d heard great things about ACM before I started my home-buying journey and it lived up to expectations. Everyone was very nice and helpful throughout the process.

Melissa W.
Review from Experience.com
Supported Through The Process

Prompt answers to my questions and feeling supported through a process that could have been a lot more stressful than it was.

Holly D.
Review from Experience.com

Mortgages Made Simple

Every journey begins with a first step. Take a few more and before you know it, you're home.

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Apply

Apply with a Loan Officer to get pre-qualified.

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Issue

If you are pre-qualified, we issue the pre-qualification letter.

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Gather

Gather your documents to complete your application.

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Order

We order the third party services, such as the appraisal.

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Process

We prepare the loan for underwriting.

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Underwrite

We review your information to determine if you’re eligible for a loan.

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Satisfy

Satisfy any conditions assigned by the underwriter.

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Clear

We clear the file for closing if you meet all outstanding conditions.

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Close

Close on your home.

Why Homeowners Choose Atlantic Coast Mortgage

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Personalized guidance from real mortgage experts.

Refinancing isn't just about getting a rate. It's about understanding your goals and helping you determine whether refinancing makes sense for your situation.

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  • Personalized mortgage review
  • Clear payment and cost comparisons
  • Cash-out and debt consolidation options
  • Mortgage insurance removal review
  • Fast digital process with real human guidance
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