NMLS: 103035 | Licensed in FL, SC & TN
About Coastal Funding Corporation
26 years of mortgage experience. More lenders, more options, better solutions.
We Believe Getting a Mortgage Should Be Easier
At Coastal Funding Corporation, our mission is simple: provide borrowers with the right loan options, competitive pricing, and exceptional service from application to closing.
As a trusted mortgage broker, we provide access to a wide variety of loan programs through our network of trusted lenders. Unlike a traditional bank that offers only its own products, Coastal Funding gives you access to multiple lending solutions designed around your unique financial goals.
Why Choose a Broker Over a Bank?
More Lenders. More Options. Better Solutions.
Every borrower's situation is different. Whether you are purchasing your first home, upgrading to your next home, refinancing, buying an investment property, or looking for specialized financing — we take the time to understand your needs and find the mortgage solution that fits.
Our Lending Programs
Conventional Loans
Fannie Mae & Freddie Mac programs with as little as 3% down and loan limits up to $832,750.
FHA Loans
HUD-backed financing with 3.5% down and flexible credit requirements starting at 580.
VA Loans
$0 down payment, no PMI, and competitive rates exclusively for veterans and active-duty service members.
USDA Loans
$0 down in eligible rural and suburban areas with low mortgage insurance and competitive rates.
Jumbo Loans
Financing above conforming loan limits for higher-value properties with competitive jumbo rates.
Non-QM Loans
Alternative income documentation for self-employed borrowers, investors, and non-traditional scenarios.
DSCR Investment Loans
Qualify on rental property cash flow — no W-2 or tax returns required. Minimum 0.75 DSCR ratio.
Down Payment Assistance
Programs to help first-time buyers bridge the gap between savings and the home they want.
Home Equity Solutions
HELOC and cash-out refinance options to put your home's equity to work for you.
Experience You Can Trust
Mortgage lending is more than paperwork and numbers — it is about helping people make some of the biggest financial decisions of their lives. Our team combines decades of industry knowledge with modern mortgage technology to make the process smoother, faster, and easier to understand.
We believe communication is key. That means keeping you informed, answering your questions, and guiding you through every step of the mortgage process.
Local Service. National Lending Options.
Based in Pensacola, Florida, Coastal Funding Corporation proudly serves borrowers throughout Florida, South Carolina, and Tennessee. Our local roots give us a strong understanding of the communities we serve, while our broker relationships provide access to lending options from across the industry.
Why Choose Coastal Funding Corporation?
Common Questions
Is it more expensive to use a Mortgage Broker?
Absolutely not. In most cases there are no points, no origination fees, and no admin or underwriting fees. You get more options at competitive pricing.
How can I find out what I qualify for?
Just give us a call — it's that simple. We offer a free mortgage consultation and credit analysis to give you the best home loan options available.
What makes CFC different from a bank?
A bank can only offer its own products. As a broker, we shop your loan across multiple lenders to find the best rate and program for your specific situation.
Do you work with complex loan scenarios?
Yes. From self-employed borrowers and real estate investors to first-time buyers and veterans, we have the experience and lender relationships to handle complex scenarios.
Ready to Find Your Mortgage Solution?
Call us today for your free loan consultation. Meetings available in person at our Pensacola, Charleston, or Hendersonville offices, or via Zoom.
(833) 457-6500