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:
- Construction to permanent
- 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 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.
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.
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.
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.
Central FL Group
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.
Northeast, FL Group
Jim is Vice President and Regional Sales Manager in our Residential Mortgage Group. He manages Northeast Florida and Georgia. 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.
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.
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.
John is a Mortgage Advisor in our residential Mortgage Group, handling doctor, conventional, FHA, VA, jumbo, construction-to-permanent, and first time homebuyer mortgage loans. He joined Atlantic Coast Bank in February of 2017, bringing over 25 years of experience in the residential mortgage loan industry. John attended Business School at the University of Florida and also enjoys playing tennis.
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.
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.
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.
Tampa Bay Group
Allen Keller is Vice President and Regional Sales Manager in our Residential Mortgage group for the Tampa Bay region. He joined the Bank in 2017. He has been in the mortgage industry for over 15 years and living in the Tampa Bay region for almost 30 years. Allen enjoys helping everyone find their dream home, whether it be a starter home or somewhere to retire. He graduated from Boston University with a degree in Business Administration.
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.
Cell: (727) 422-8760
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).