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Personal Banking


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.


Drew S. Miller

Drew S. Miller is Vice President, Senior Residential Mortgage Sales Manager, and leads 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

Georgia Group

Charlene Sackman

Charlene Sackman is a Mortgage Advisor in our Residential Mortgage group. She joined the Bank in 2017 and brought over 30 years of experience in the mortgage industry. She specializes in all types of mortgages and looks forward to helping people realize their dreams of homeownership. In her free time Charlene enjoys softball and gardening.

NMLS# 459676

Contact Information
Cell: 850-529-2373

Central FL Group

Andre Rattray

Andre Rattray is Vice President and Regional Sales Manager in our Residential Mortgage group. He joined the bank in 2017. He has been in the mortgage industry for over 20 years and in the Orlando area for ten. Previously he owned a successful company. In his personal time Andre is heavily involved with the Florida Hospital for Children foundation.

NMLS# 334171

Contact Information
Cell: 407-715-9633

Michelle Mickler

Michelle Mickler is a Mortgage Advisor in our Residential Mortgage group. She joined the Bank in 2017 after over a decade in the real estate and mortgage industry as a real estate and mortgage broker. She graduated from the University of Florida with a Bachelor’s degree in Finance. Michelle is very active with the local Florida Association of Mortgage Professionals and Mortgage Bankers Association chapters, and the Orlando Realtor Resource Association.

NMLS# 829003

Contact Information
Office: 321-275-7388
Cell: 407-694-6512

Northeast, FL Group

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

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

Tampa Bay Group

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


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).

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Atlantic Coast Bank routing number: 261271717

Lost or stolen cards
During business hours: Call 1-800-342-2824; option 5
After hours: Call 1-800-342-2824; option 3, then option 1

©2017 Atlantic Coast Bank