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Residential Mortgages

Make your heart and home happy with the right loan.
Purchase or refinance with a Residential Mortgage that suits you and where you live.

Home is Where the Heart is
Home is Where the Heart is

Home is Where the Heart is

Connect with our mortgage experts and find your way home with our customized loan solutions, local market knowledge and responsive service. 

  • Experienced Lenders
  • Local Connections
  • Fast Pre-Qualifications

Which Loan is Right for You?

Fixed Rate Mortgages

  • Constant interest rate throughout the loan period
  • Predictable budgeting despite market fluctuations
  • Payments remain consistent

Adjustable Rate Mortgages (ARM)

  • Fluctuating interest rate which is generally lower for the initial term
  • Good option if you plan on only owning your home for a few years or anticipate significant future earnings growth

Jumbo Loans

  • Finance luxury homes or properties in competitive real estate markets.
  • Exceed the conforming loan limits the Federal Housing Finance Agency (FHFA) set.

FHA Loans

  • Great for first-time homebuyers.
  • Low to moderate-income borrowers and require lower minimum down payments and credit scores.
  • Issued by FHA-approved lenders and insured by the Federal Housing Administration.

VA Loans

  • For veterans of the armed services
  • Guarantee a portion of home loans offer favorable terms
  • Guarantees are available for purchasing and refinancing

USDA Rural Housing Loans 

  • For USDA-backed rural areas
  • Geared toward low-to-moderate income families
  • Offers low-interest rates and no down payment. 

Meet Our Team

Ric Spiehs

Ric Spiehs

President, Chief Executive Officer, Coastal States Mortgage

Read Bio
Brad Ellis

Brad Ellis

Mortgage Loan Officer - Coastal States Mortgage

Office: (843) 689-7828

Mobile: (843) 384-6339

bellis@coastalstatesbank.com

NMLS# 780331

Read Bio Apply for a Loan with Brad
Joey Ryan

Joey Ryan

Mortgage Loan Officer - Coastal States Mortgage

Mobile: (843) 422-1111

jryan@coastalstatesbank.com

NMLS# 2149572

Read Bio Apply for a Loan with Joey
Ken Kendrick

Ken Kendrick

Mortgage Loan Officer - Coastal States Mortgage

Office: (843)-341-9983

Mobile: (843) 384-6485

kkendrick@coastalstatesbank.com

NMLS# 780339

Read Bio Apply for a Loan with Ken
Kim Smith

Kim Smith

Business Development Banker - Coastal States Bank

Office: (843) 689-7831

Mobile: (843) 422-4321

ksmith@coastalstatesbank.com

NMLS# 780344

Read Bio Apply for a Loan with Kim
Lisa Henry

Lisa Henry

Mortgage Loan Officer - Coastal States Mortgage

Mobile: (843) 422-7105

lhenry@coastalstatesbank.com

NMLS# 918797

Read Bio Apply for a Loan with Lisa
Lisa Souls

Lisa Souls

Mortgage Loan Officer - Coastal States Mortgage

Office: (843) 705-1229

Mobile: (802) 779-2690

lsouls@coastalstatesbank.com

NMLS# 293972

Read Bio Apply for a Loan with Lisa

We Help Our Clients Succeed Every Day

“Coastal States Mortgage provided exceptional service and reliability in the mortgage process. ‘Night and Day’ difference from our last experiences with big banks. I’d finance with Coastal States Mortgage ten times out of ten.”

- CSB Client

“Having trusted Coastal States Bank with our personal banking needs for the past several years, it seemed logical that we could trust Coastal States Mortgage to handle the refinancing of our mortgage. We made the right choice; the refinance process went smooth as silk. Bottom line, Coastal States Bank and Coastal States Mortgage provide excellent, friendly service to its customers.”

- CSB Client

Discover Savings Options to Reach Your Goals
Discover Savings Options to Reach Your Goals

Discover Savings Options to Reach Your Goals

Save for your needs and dreams with high-interest savings accounts and money market accounts.

See Personal Savings