The best of the best! ACM did our daughter's loan also. Timely, well respected and clearly their job is to get the best rate and program.

Jackie and her team are fantastic. Professionals that work together and know there stuff while giving that friendly personal touch. Trust worthy and efficient. A+ read more

Mike and his team helped walk us through the process and explained each step making us feel comfortable as first time home buyers!

Tim Kelly helped us secure our dream home. He was great at navigating my anxiety during and after the purchase as he also helped our buyers secure a loan. I'm so thankful for his support and patience. True story Nat and Joe bisch read more

My husband and I got pre-approved for a loan. We sent our loan guy (Caleb Gingues) information on the property while we were in this pre-approval process. After we made an offer he came back and said this property wouldn't qualify for a traditional loan. Then he drug his feet for over a week while we could have been pursuing other loan options elsewhere, just to say he couldn't help us. To add insult to injury, after we finally found a different loan guy to work with, we started receiving automated emails from Caleb about loan products and services. Even after emailing the guy and asking to be removed from his mailing list, the emails persist...so here I am, leaving a bad review. This company will not listen to you. Even when you send them the property ahead of time, they won't look at it. Even when you point out the issues with the property, that are plainly spelled out in the listing, and ask if it's going to be an issue, they will say no...and waste your time. read more

John Flood and his team at ACM were truly amazing. They stuck with us for almost 5 years as we slogged through the Affordable Dewing Units program (ADU) of Loudoun County. Every year I had renew my paperwork and John and his team did it without hesitation and never asked us for a penny for all that work. He and his team were prompt and thorough with all of our questions and concerns. Thank you so very much to the ACM team and to John for helping us through this process. I would not hesitate to work with them again and I highly recommend them. read more

Terrible process and overall a bad experience with them. Go to another lender. I am not going to get into the details, and they were recommended by the realtor, but definitely do your research prior and at least get another lender to compete. Overall just a terrible process with them. read more

ACM, hands down one of the best lenders i have come across. Being a first time home buyer, I did tons of research on mortgage loan types, interest rates, aprs, lenders, etc. After going through 2-3 other lenders, Phil was able to beat all other lenders and then some! He took his time to answer my questions, send me updated documents, keep me in the loop and made me aware of what I can get with my credit and current circumstances. Their online site for document submission and signing was quick and easy to use. Phil and his team were very responsive and were able to help me close with the lowest rate in the nation and close on time!(closed a few days early in my example as i requested it.) Plus, there were No random junk fees like other lenders sneak in. Overall very satisfied and i would definitely use Phil again in the future and recommend him and ACM to friends and family! read more

My husband and I just closed on our first home and the ACM team of the Bonnet Meushaw group was amazing. Specifically, Carey Meushaw was so incredibly helpful and responsive. He made the loan process easy and transparent and he fought hard for us to lower our rate and maximize our savings. They don't charge above-market fees and for as many hours as Carey put into our loan, we felt ACM was more than reasonable. He was always available to answer our (seemingly limitless) questions and never strayed from total professionalism. Parts of this process have been very difficult and draining but I never thought the lending process would be this painless. I'd recommend Carey and ACM to anyone. Even if you aren't local like we were, they are easy to communicate with, have secure online portals, and never required in-person meetings. Thank you ACM! read more

This is a horrible company. I've had two bad experiences with this company, one with a new purchase and most recently with a attempt to refinance my home. The lender came referred by my realtor but that didn't matter much when it came to the horrible customer service I received. I "worked" with Tan, if you want to call my experienced working with someone. Tan was horrible at communication. It would take him days to respond to my inquiries and most times he pushed me off to his assistant who had limited ability to provide much assistance herself. I've been waiting almost 3 weeks for a response from Tan or anyone in his office regarding the process of my refinance application and have not heard anything. Tan asked for all of my personal information such as tax returns, bank statements, etc, things that any company would for such a business transaction-Howver, when you give over such important information to someone and never hear back you start to fear for the risk of potential cyber crime, fraud, or identity theft. I am sending in a complaint to the attorney generals office of Virginia, the better business bureau, as well as the 3 credit bureaus. If you want to work with a company you can trust during one of the most important purchases of your life whether it be for a first time homebuyer, refinance, investment acquisition, etc, do yourself a favor and bypass this company. There are plenty of options out there, take your business where you will be treated with respect and professionalism. Patrick read more

Atlantic Coast Mortgage is a reputable and outgoing company. I couldn't be more grateful for the assistance of MAC and his team are true professionals and subject matter experts that will go above and beyond expectations. They were very informative at every step of the process and made themselves available whenever my family and I had questions. I 100% reccomand them and would use them again. Once we closed on the house it wasn't the of the relationship but only the beginning of they journey, MAC has continued to reach out and check on how everything was going. Thank you! read more

Worked with ACM and Carey Meushaw on our most recent mortgage. This was our second home buying experience ( and throw in a refinance) and by far the easiest of them all. Carey kept us updated as interest rates changes, was accessable as we asked for estimates on a number of homes and scenarios. Would highly recommend Carey to friends and was uld be looking at working with him again if we ever need to refi. read more

We just purchased our first home and worked with both Richard and his assistant, Frank. They were both incredible with making the entire process super easy to understand. They were professional, trustworthy, knowledgable and prompt with all responses. These are crazy times for the housing market, especially in the midst of a pandemic where everyone is super competitive, but Richard still was able to get us an excellent rate and helped us to close in two weeks. He definitely exceeded our expectations. We HIGHLY recommend Richard and his team at ACM, and will be keeping their number to share with friends and family in the future :) read more

Phil has exceptional customer service! We had the option to go through Navy Federal for our VA loan but needed to close in 20 days and Navy Fed couldn't guarantee meeting our deadline. He kept us informed every step of the way, and was available 24/7. Phil took the time to answer many of my first time home buyer questions and did so with patience. Every request we made was accommodated and the process was very straight forward. I've heard nightmares about people who come to closing with missing information that delays their closing dates, not us! Phil ensured every detail was met. Highly recommended! read more

Phil and his team are incredibly responsive and helpful. They helped us refinance for a much lower rate. They're well informed and were excellent at helping is through the process. read more

Carey was a excellent to work with for the purchase of our new home.  We found our home, established financing, and submitted an offer within 24hrs.  Carey took the time to explain the current financing process as we have both have dated experiences with financing.  He helped us arrive at a very comfortable point for our offer on this accelerated timeline.  Thanks Carey! read more

Although we did not go through with the mortgage, I couldn't recommend Phil and his team highly enough simply from a customer service perspective. Their communication and responsiveness was on point, as was their online UX. The turnaround on the pre-approval was very quick and I would want a team like this on my side when working with a tight deadline. read more

Corey Cummings is AMAZING!!!! He made our experience seamless, even during this challenging market. He got us a better rate than other lenders we were considering and he helped us close quickly. SUPERB experience -- we are thrilled. read more

ACM was great to work with and Rich is super professional and knowledgeable. He made sure to explain everything to us fully with a personal touch and was even able to offer a better rate than the big banks. Rich was always available and prompt with responses which kept us reassured through the process of buying our first condo. I would recommend Rich and Atlantic Coast Mortgage to anyone, and we definitely plan to contact them in the future for our home buying needs. read more

My last experience with Atlantic Coast was not so good. This was for a refinance. It wasn't the process that was bad it was the end result. Keep in mind when you use Atlantic Coast they immediately sell your loan to a servicer. You have no choice of who this may be. They sold my loan to SLS, which is typically a loan servicer for people with poor credit and prior payment history. I am none of these things. My credit score is over 800 and have never been late with mortgage payments. SLS has been difficult to deal with from the start. I would suggest finding a bank you want to use to be your mortgage servicer and not walk into the unknown. I've learned my lesson and for my next loan I plan to contact the servicer/bank I want to use instead of going with a company that sells your loan. read more

Found out about ACM through one of the realtors we were working with to look for a house. Even though we didn't stick with the same realtor, our initial experience with ACM was so good, we keep them as our mortgage consultants. The overall experience was excellent from start to finish. If you're looking for a property in the DMV/NOVA area I highly recommend giving ACM a call. Ask for Michael Grafton as he is highly knowledgeable, responsive and will take good care of you. read more

Worked with Phil Nguyen and his team on my mortgage. This was my first home and he and his team went above and beyond to help! Top notch service. He was very responsive and was honest about his rate offers upfront. Straightforward communication throughout. For a competitive housing market, I was very glad Phil and his team was on my side to help win the bid. Atlantic Coast is reputable in this market. read more

My Agent recommended that we go with Atlantic Coast Mortgage. I was told they had the ability to offer lower rates than Bank lenders most of the time. The beginning of our process seemed very smooth. We were provided with a customer portal where one could upload relevant application documents and securely provide them directly to the loan officer. Then, Atlantic coast mortgage provided a separate upload site that was easier to use because one could see the status of the upload a document and was easier to reference. We were provided with a complete list of required documentation to upload an application for the loan. Upon loading this documentation on the first site, I had requested the underwriting team to provide me with an inventory of what else they might need as one couldn't see if the upload process was always successful. The underwriter did not respond to me in a timely manner. So much so that it took until the week of the settlement to reply that she needed a full year tax filing when we were told that the extension documents would be sufficient. I had to take my accountant off his existing work and force him to create my last year's tax return in two days in order to satisfy the underwriter at great expense. At the time of settlement, this firm made mistakes in the required settlement documentation by referring to our property in the wrong county. Additionally, I had specifically directed this group to include my wife on the title work. I was informed during the signing of settlement documents that my wife was not included on the title and that we would have to come back the following week to pay an additional fee to have her added. I called Atlantic coast mortgage on the day of settlement to make them aware of this oversight and a representative there admitted a mistake had been made. I addressed all of these issues with the loan officer, Carey Meushaw, following the settlement, and he provided me with a less than professional response taking no responsibility for the shortcomings of the process and service provided by his staff. I would caution anyone in the Virginia area from applying for a mortgage loan from Atlantic coast mortgage. My experience has proven that this group is not in a class of lenders I would choose to deal with in the future. read more

Just got off the phone with Phil Nguyen. Called about to learn mortgage potion available for my parents to live. We are considering purchasing a home for them to live, and some day when they are no loner here, we want to be able to rent to out. I wanted to understand basic high level rules. He goes I don't have time to go over all the guidelines. And then when I asked to clarify the difference between conventional loan and investment loan, he goes "I just said that". I had worked with him before at George Mason Mortage, totally difference customer service from the same person....disappointing. As customer we need to hold these people accountable. read more

The service of Atlantic coast mortgage is great! Marc, Andrew and Phil are often able to answer my questions via email within a few minutes, and they even work on weekends. They helped me complete the entire loan process in less than a month, and helped me to buy the house smoothly. I am very grateful to them! read more

I had an unpleasant experience with Phil N. and this company for whom Phil is a Senior representative. I got the feeling that he chooses his customers and fair lending laws do not apply to him or this company. I would not recommend him or ACM for financing your home mortgage. You might have a better luck, but if you see the signs of hurried communication, terse and short response with any sign of lack of interest in listening to you, run the other way, find another lender! read more

Mac Church and Nick Lewis located in the Fredericksburg, VA Century 21 Redwood Realty office have always been my top lenders to refer buyer clients to. They are fast to respond, take the time to answer all questions and if there is a problem with credit, they will find the solution to get help. They are there for you every step of the way, very thorough and seemless with their transactions. If you need a local lender that will make the home buying process a breeze, this is the company to call. read more

Phil and his team got my loan approved and through underwriting in less than two weeks. Their process is very streamlined and what made the experience the best is that they responded to every question within 15 minutes of sending an email. They have a good technology platform and the rates were competitive. I normally dont write reviews but felt that the closing process is very stressful for most people so having someone you can rely on is important. read more

I applied for a loan with a 720 credit score. I was going to put down 3.5 percent on the loan at closing. I was told by my loan officer that I was approved for 200, 000. After about a week the loan officer contacted me and said that I was only approved for 150,000. I added my girlfriend to the loan and then he texted me and said I was now approved for 180,000 loan. Me and my girlfriend found a house for 174,990 and let our real estate agent know. He contacted our loan officer to give him the heads up. We were then told we was only approved for 150,000. This loan officer that I will call dude from the fredericksburg va office has done nothing but waste our time with lies and empty promises. I highly recommend going somewhere else for a loan. We are currently starting over at square one because dude has wasted out time for the past 45 days. read more

Have worked with this group of professionals for over 10+ years now and closed over 200 homes with these folks. They continue to be my first referral to all of my clients, family, friends and colleagues alike. Simply put, they get it and will work tirelessly to ensure things close on or ahead of time. You simply won't find a smoother process or a more dedicated crew. I have my favorite (shout out to the Coy-Nguyen Group) but wouldn't think twice of working with anyone else within their organization. They're just that good. read more

James and Fred are the best! My sister-in-law highly recommended ACM and I reached out as a first time home buyer to learn more about our options & buying power. James explained everything to me in an easy to understand manner, which helped us realize we were able to buy a house now vs. waiting. They got us pre-approval extremely quickly, helped us cost out a variety of homes we were interested in, answered the MANY questions I sent over, and strategized with us on our offer so. we could feel confident about what we put forward and what we could afford. Once we did find THE house, they helped us close in just 2 weeks! read more

I pursued a mortgage with Ashley Smith. It was a COMPLETE WASTE OF TIME. Honestly, I'd rather drink poison and die than to have to do business with her. She needs to get her stuff together (i.e. her support team) and show more respect for her prospective customers' time. I ended up having to take my business some where else. read more

Nick Lewis and Mac Church in the Fredericksburg, VA office are great at what they do. As a Realtor, it's important for me to rely on a good loan officer to get our buyers to closing. I love that they are in our Century 21 Redwood office at 10601 Couthouse Road which allows our clients to meet face-to-face rather than having to do a transaction remotely or with someone they've never met. Trust is always the key in these transactions and they have mine and serve my clients well. read more

Worst experience I have ever seen with a mortgage company. John flood is a complete idiot. Over 2 dozen errors in paperwork and closing issues. Can't even get the renovation check that should have been issued at closing. No one in the sc office can do anything correctly. They should be banned from doing business in South Carolina. read more

Buying a house, applying for a mortgage, moving, and all that goes with it can be very daunting--especially if you haven't done it before or, as in our case, haven't done it in quite awhile. So we really relied on Phil and his team to guide us through the process and they couldn't have made it easier. The online process is amazing and they take significant precautions to keep financial and identity information secure. They are friendly, patient, efficient and responsive. I'm not sure when Phil sleeps because he returns e-mail at pretty much all hours! In my own professional life, I work closely with the financial services field--and with that background, I give Atlantic Coast top marks! read more

Atlantic Coast Mortgage in Northern Virginia came highly recommended but unfortunately my experience with the company resulted in near disaster. After receiving pre-approval for a property that they agreed to finance for me, I received an email, about twenty days before the closing date, informing me that the property was not a fit for the loan. The senior loan officer recommended I either pick a different property or put down 20% on an FHA loan. In other words, the senior loan officer wanted to strip me of the initial conventional loan that I qualified for as an applicant with excellent credit. At that point, I asked my real estate agent to start looking at different properties, however, there were no other equivalent properties on the market. All of this was happening after I submitted my notice to vacate. I decided to give up on finding a home and was prepared to continue to rent. Given that this was in the midst of the holiday season this whole situation elevated the stress levels of my family and I. To make matters worse, I had already given notice on my apartment and my move out date was fast approaching. I stopped by the apartment community leasing office to inquire if I might renew my lease but the apartment was already leased. I begged the leasing office to find a way to let me stay in my apartment. The answer from the future residents was a big NO as they already connected all their accounts to that specific address. With my head spinning, I decided to continue to search for a property to purchase last minute. ("Last minute" and "home purchase" are two phrases that should never be uttered in the same breath) I looked for more properties but struck out again. I finally reached out to a couple of friends in the real estate industry and they all recommended I contact different, more established mortgage companies. I shopped around and came across a company and,after I explained my situation, the new loan officer cautioned that because of the holidays, it might be almost impossible to meet the deadline that I gave him. At this point I had no plan b and so I decided to put my faith in the new company and move forward. With bated breath I waited for a call or email from the new loan officer. Despite it being the New Year holiday, the new loan officer came through for my family and I with an even better deal with a conventional loan. I ended up with a lower rate than the original one from Atlantic Coast Mortgage. The new company also applied a $1,500.00 discount, which brought down my closing cost on settlement day. Had I listened to Atlantic Coast Mortgage, I would either be paying far more for a non-conventional loan or maybe even homeless. At the end I got the property that I wanted, with a much lower closing cost than Atlantic Coast Mortgage, lower interest rate on a conventional loan, and all in all more than $3000 lower on the closing costs. Atlantic Coast Mortgage did not work for me. I had the worst experience with Atlantic Coast Mortgage. read more

I was bounced around between multiple representatives, never really knew who to ask what, and was bombarded by a variety of information and document requests from various people in various formats to be filled via both email and upload to a website that was ...less than stellar. I was unable to set up auto pay, and had to use check payment while about to go on deployment, with no recourse if for some reason the check got lost or the payment did not process, if unable to use internet or make phone calls. Would definitely not recommend if you have a job that requires travel. Would definitely not recommend, if you do not always and quickly have access to any and all conceivable documents. Would definitely not recommend if you are a first time buyer dealing with many other complicated and stressful aspects of your first mortgage buying process. Would definitely not recommend if you have a stressful, time-consuming job that does not allow you to take a week or two off of work to deal with a complicated process you have never been involved in. Would definitely not recommend if you don't want your mortgage loan to be sold, and re-sold. read more

As a realtor I have worked with various mortgage companies. I always have my clients' best interest mind and so does Atlantic Coast Mortgage. In particular, the Richard Hearn team. They not only provide the best rate, but work very diligently to ensure the loan closes. They are responsive, thorough, and extremely knowledgeable. In fact, the Richard Hearn team closed a loan on a condo in two weeks - superior service and very impressive. read more

Great group to work with, thoroughly explaining all our options and walked us through the entire process. We worked with Patricia and she was even available on weekends when we were putting in an offer on a house. read more

They were absolutely wonderful from every interaction even joining us in the closing to assure it was successful. We were an extremely difficult loan changing loan companies about 2 weeks from closing and Steve assured us we would be alright. He made sure that was the case. Highly recommend!!! read more