Personal Banking

Mortgages

We’re dedicated to successful home ownership

Atlantic Coast Bank is deeply committed to homeownership in our area. We know that successful homeownership can make a huge difference in a family’s life at any stage. So whether you’re done renting and ready to buy your first house, stepping up into your dream home for your growing family, or picking out your cozy retirement condo, the seasoned mortgage advisors at Atlantic Coast Bank are there to help. We’ll work with you face-to-face, with flexible evening and weekend hours, and be by your side throughout the process. Our mortgage products and services include:

  • Purchases
  • Re-financing
  • Construction to permanent
  • Pre-qualifying
  • Conventional (fixed-rate) mortgages
  • Adjustable rate mortgages
  • Jumbo loans
  • Federal Housing Administration (FHA) loans
  • Veterans Affairs (VA) loans
  • Home equity line of credit
  • USDA loans

Contact one of our Mortgage Advisors to obtain details tailored to your unique situation or Click Here to learn more about mortgage lending.

Meet Our Mortgage Advisors:

In accordance with the Fair and Secure Enforcement For Mortgage Licensing Act (SAFE Act), Atlantic Coast Bank and our mortgage advisors are registered with the Nationwide Mortgage Licensing System & Registry (NMLS). The institution identification number for Atlantic Coast Bank is #509060.


Teresa Hale
Teresa Hale is Senior Vice President and Director of our Residential Mortgage Group, joining the Bank in 2014. Prior to joining Atlantic Coast Bank, Teresa served as a Mortgage Senior Vice President for a national bank headquartered in Jacksonville. Teresa is a 25-year veteran of the mortgage industry, holds a bachelor’s degree in Business Administration from Mercer University and a master’s degree in Business Administration from Auburn University.

NMLS #649000

Contact information
Office: 904-998-5500
HaleT{AT}AtlanticCoastBank{DOT}net



Georgia Group

Drew S. Miller
Drew S. Miller is a Vice President in our Residential Mortgage Group. Drew brings over 20 years of experience to families buying, building or refinancing their homes or residential investment properties. Drew enjoys helping families with their first home to their retirement dream. Drew’s expertise includes working with clients with complex income streams and helping buyers with their vacation homes. Prior to joining ACB in 2014, Drew led mortgage sales for national lenders in southeast Georgia. Drew attended the University of West Georgia.

NMLS #658962

Contact information
Office: 912-284-2212
MillerD{AT}AtlanticCoastBank{DOT}net


Bill Fuqua

Bill Fuqua is a Mortgage Advisor in our Residential Mortgage Group specializing in conventional, FHA, VA, and construction to perm loans. He joined the bank in 2016 and has 24 years of experience in the banking/finance industry. He attended Troy State University and is active in the Exchange Club of Waycross and other community organizations.

NMLS# 1182112

Contact Information
Cell: 912-337-0007
Office: 912-584-4022
FuquaW@AtlanticCoastBank.net



Jacksonville, FL Group

Jim Rogers 

Jim is Vice President and Regional Sales Manager in our Residential Mortgage Group. He joined the bank in 2015. James previously owned his own mortgage company and has diverse  experience in management, banking, and lending. He has over 35 years of lending and management experience. He has a degree from Illinois Industrial Engineering College.

NMLS #191006

Contact information
Cell: 904-838-3330
RogersJ@AtlanticCoastBank.net


Carter Banks

Carter Banks is a Mortgage Advisor in our Residential Mortgage Group, handling conventional, government, doctor, and construction-to-permanent loans. He joined Atlantic Coast Bank in 2015, and has 25 years of experience in the mortgage industry. Carter has a degree in finance from the University of Florida.

NMLS #459521

Contact information
Office: 904-716-5422
BanksC@AtlanticCoastBank.net


Rich Demico
Rich Demico is a Mortgage Advisor in our Residential Mortgage Group, handling conventional, Federal Housing Administration (FHA), Veterans’ Affairs (VA), and construction-to-permanent loans. Rich started with Atlantic Coast Bank in 2014, and has more than 10 years of experience in the mortgage industry specializing in Portfolio Lending, including Dr. Loan Program and Construction-to-Permanent financing. Rich has a degree in Business Management from University of Phoenix.

NMLS #1180681

Contact information
Office: 904-998-5500
Cell: 904-613-0598
DemicoR{AT}AtlanticCoastBank{DOT}net


Greg Harris

Greg Harris is a Mortgage Advisor in our Residential Mortgage group. He graduated from the University of Alabama with a degree in Real Estate Finance. He has been in the mortgage business for 24 years. He was born and raised, and currently live in Jacksonville, Florida. His passion is helping people, both with their mortgage lending needs, as well as personally.

NMLS #156036

Contact Information

Cell: 904-347-6480
HarrisG@AtlanticCoastBank.net


Rhett Lahey

Rhett is a Mortgage Advisor in our Residential Mortgage Group, handling conventional, government, doctor, and construction-to-permanent loans.  He joined Atlantic Coast Bank in 2015, bringing over 10 years of experience in mortgage and financial services. Rhett focuses on providing an excellent customer experience throughout the loan process.  He graduated from the University of North Florida with degrees in International Business and Marketing.

NMLS #648844

Contact Information
Cell: 904-881-5519
LaheyR@AtlanticCoastBank.net


Kevin A. Smith
Kevin A. Smith is Vice President and Operations Manager in our Residential Mortgage Group, handling all types of mortgages. He started with Atlantic Coast Bank in 2014, and brings more than 20 years of experience in mortgage operations and credit management. Kevin has a degree in Finance from the University of Central Florida.

NMLS #1180702

Contact information
Office: 904-998-5500
SmithK{AT}AtlanticCoastBank{DOT}net

 



Tampa Bay Group

Jean Pierre Arroyo Mac Lean

Jean Pierre Arroyo Mac Lean is a Residential Mortgage Advisor within our Residential Mortgage Group. He specializes in  VA loans and working closely with Veterans and active duty military. He was active duty Air Force and is now in the Air National Guard. He thrives on working with customers to get into the homes of their dreams!

NMLS #1578140

Contact Information
Cell: 321.697.8357
ArroyoJ@AtlanticCoastBank.net


Michael Ballinger

Mike Ballinger is a Residential Mortgage Advisor within our Residential Mortgage Group, he has lived in Pinellas County for the last 31 years. He specializes in all traditional lending products: conventional, VA and FHA along with our exemplary Portfolio products, Construction-to-Perm and doctor loan programs.

NMLS #659547

Contact Information
Cell: (727) 422-8760

BallingerM@AtlanticCoastBank.net


Darien Goodloe

Darien Goodloe is a Residential Mortgage Advisor within our Residential Mortgage Group, he is a native of Pinellas County.  He has been in the mortgage industry for 18+ years handling all types of mortgages.  Darien joined Atlantic Coast Bank in 2016.  Darien brings experience in the mortgage assisting clients in purchase their first dream home to improving their financial position.

NMLS #447687

Contact Information
Cell:  (727) 460-7858
GoodloeD@AtlanticCoastBank.net

 


John Gonos

John Gonos is a Residential Mortgage Advisor based in the Tampa Bay area. He has been in the industry for over 15 years and has helped over 1,000 families purchase or refinance. John specializes in Conventional, FHA, VA, and Construction to Perm. John is also fluent in Greek.

NMLS #1087757

Contact Information
Cell: (727) 272-2051
GonosJ@AtlanticCoastBank.net


 

Emmanuel Roman NMLS #513936
Sheila Hutcheson-Millar NMLS #912753
Ketheshya Johnson NMLS #497923

Atlantic Coast Bank is a proud member of the Chamber of Commerce, Mortgage Bankers Association (MBA), Northeast Florida Association of Realtors (NEFAR), and Northeast Florida Builders Association (NEFBA).

 

Atlantic Coast Bank routing number: 261271717

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