The Coastline Mortgage Consultants LLC Team

Hi and welcome to Coastline Mortgage Consultants, LLC, your trusted and local Wilmington mortgage company. Even though we are located in Wilmington, NC we can assist you with your lending needs anywhere in North Carolina. We have vast resources for first time home buyers, experienced home buyers, current home owners, and even real estate investors. We know there are several mortgage companies in Wilmington you can choose from, however, we feel with our vast industry knowledge coupled with our customer service, we are the best mortgage company in town! We offer  Wilmington mortgage rates that are extremely competitive with any other lender in the country.

If you are looking to purchase a home we offer several mortgage options. We offer conventional, FHA, USDA and VA loans. FHA loans are perfect loans for first time home buyers, as it only requires a 3.5% down payment. FHA Streamline Refinance loans are a great way to take advantage of low mortgage rates with little to no money out of pocket for the borrower, as Coastline Mortgage Consultants, LLC is able to pay most of the cost for you. Also, the FHA Streamline usually does not require an appraisal or income documentation!

Wilmington is located close to Camp Lejeune Marine Corps Base and we have helped hundreds of veterans take advantage of 100% financing using a VA Loans. A VA loan is an excellent benefit offered to our veterans and is a program that allows a veteran to purchase a property with no down payment and very little money out of pocket.  We also offer USDA Loans for rural areas which offers 100% financing.  USDA loans are median income-driven based on the county in which the property is located.  Contact Coastline Mortgage Consultants, LLC to see if you qualify for 100% financing today!

Our interest rates are some of the best in North Carolina. Whether you are looking for a Wilmington refinance, a Raleigh refinance or a refinance in any other North Carolina area we are here to help! We have access to the Home Affordable Refinance Program or HARP, which is a program designed to make refinancing easier for eligible borrowers. If you’ve been denied in the past when trying to refinance, let Coastline Mortgage Consultants, LLC review your current situation to see if you are eligible.

Thank you for visiting our site, browse around and you’ll find plenty of information to help answer any questions you may have. Also, we will be happy to set up a free mortgage consultation to review your entire financial picture and customize the best possible mortgage plan for you . You can call our office at (910) 5091561 or email info@coastline-mortgage.com

Homebuyers

See how much you qualify for in today's market.

Refinance

We can help you lower your rate or take cash out.

Today's Rates

See if the time is right for you to purchase
or refinance.

Ask A Question

We can answer your mortgage related questions.

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Loan Programs

We can help you make a purchase, lower your payment, take cash out, or consolidate debt.

FHA Loans

VA Loans

Conventional Loans

Home Refinance Loans

Jumbo Home Loans

Home Purchase Loans

What our clients are saying

  • This is my second time working with Chad at Coastline Mortgage, and once again, he exceeded expectations. Chad is truly a pleasure to work with—professional, responsive, and committed to getting... read more

    Adam Momeyer Avatar Adam Momeyer
    May 4, 2025

    Had a great experience with Chad at Coastline Mortgage for my first home purchase. They made the process smooth, clear, and stress-free. Chad was incredibly helpful, keeping me informed at... read more

    John Morrello Avatar John Morrello
    November 8, 2024

    Wonderful experence! Chad Ludwig made the entire experence very easy,felt very comfortable with him. Answered all my questions,even if I asked the same question more than once, Explained everything... read more

    Pamela Wiles Avatar Pamela Wiles
    July 10, 2024

    Chad was easy to work with and he was a great communicator. The entire process went smoothly.

    Grant Andrews Avatar Grant Andrews
    July 9, 2024
  • We have had the best experience usig Coastline Mortgage in particular with Chad and Mary Catherine! Thank you for another great closing experience! You guys are wonderful!

    Julie Simes Avatar Julie Simes
    January 29, 2024

    Attention to detail and questions was outstanding. We were well prepared for closing on our home. It took just 15 mins and was so smooth.

    Janyne Hornung Avatar Janyne Hornung
    November 8, 2023

    Getting our Mortgage was great through Coastline. We got a great rate, and they were responsive through the entire process. Communication was above and beyond what we have... read more

    Ross Carter Avatar Ross Carter
    September 13, 2023

    We have used Coastline Mortgage for several home purchases and we have been more than satisfied! Great customer service and on top of things at all times. Highly recommended.

    Courtney Carlisle Avatar Courtney Carlisle
    August 19, 2023
  • Chad Harris did a great job! Very serviceable, too the point and helped me get the best % rate possible. Thank You,

    William Mihaly Avatar William Mihaly
    August 19, 2023

    This is the second home that my husband and I have purchased using Coastline. They have gotten us the most competitive rates every time, and have been true friends and... read more

    Kathleen Baker Avatar Kathleen Baker
    August 19, 2023

    This is the second home that my husband and I have purchased using Coastline. They have gotten us the most competitive rates every time, and have been true friends and... read more

    Kathleen Baker Avatar Kathleen Baker
    August 16, 2023

    Chad Harris did a great job! Very serviceable, too the point and helped me get the best % rate possible. Thank You,

    William Mihaly Avatar William Mihaly
    August 7, 2023
  • We have used Coastline Mortgage for several home purchases and we have been more than satisfied! Great customer service and on top of things at all times. Highly recommended.

    Courtney Carlisle Avatar Courtney Carlisle
    July 20, 2023

    Awesome job as usual by Chad and team. This is our 5th mortgage with Chad over the years, smooth process and no surprises. Thanks Coastline Mortgage!

    Bobby Rudder Avatar Bobby Rudder
    June 19, 2023

    We were introduced to Mitch Ludwig of Coastline Mortgage Consultants LLC by our realtor. He exceeded our every expectation. We worked diligently with Mitch and we were able to... read more

    Tricia Conte Avatar Tricia Conte
    May 19, 2023

    As a first time buyer of a home, I was absolutely thrilled with the entire process . Mitch and his team, are top knotch , and would hesitate to utilize... read more

    Kevin Rumsey Avatar Kevin Rumsey
    April 19, 2023
  • Chad went above and beyond to help us with our mortgage loan. He was very knowledgeable, genuine and was an absolute pleasure to work with. We wouldn’t recommend anyone else!

    Amy Sports Avatar Amy Sports
    March 19, 2023

    We couldn't be more pleased with our experience at Coastline Mortgage. Chad in particular was efficient, punctual, communicative, and extremely experienced. More importantly, I'm absolutely convinced that no one strives... read more

    R Feiler Avatar R Feiler
    March 19, 2023

    Chad went above and beyond to help us with our mortgage loan. He was very knowledgeable, genuine and was an absolute pleasure to work with. We wouldn’t recommend anyone else!

    Amy Sports Avatar Amy Sports
    March 4, 2023

    We couldn't be more pleased with our experience at Coastline Mortgage. Chad in particular was efficient, punctual, communicative, and extremely experienced. More importantly, I'm absolutely convinced that no one strives... read more

    R Feiler Avatar R Feiler
    March 3, 2023
  • John Russ was absolutely amazing through this experience

    Ryan Cook Avatar Ryan Cook
    November 19, 2022

    We just closed on our second property with Mitch and his team. In a truly wild market with incredible rate volatility, they were there to help every step of... read more

    John Hoover Avatar John Hoover
    October 19, 2022

    We have worked with Chad multiple times when we have purchased a home or refinanced, and it has always been a great experience. Each transaction has been seamless! He is... read more

    Kory Hodge Avatar Kory Hodge
    September 19, 2022

    We had a wonderful experience with Coastline Mortgage. Their team was consistently accessible, knowledgeable, respectful, and responsive. I would choose to do business with them again in the future.

    Gavin Blosser Avatar Gavin Blosser
    September 19, 2022
  • Coastline did a wonderful job of walking us through our first home purchase and did everything they could to help us get the rates and payments we needed. Thank you... read more

    Kyle Pennington Avatar Kyle Pennington
    September 19, 2022

    I have worked with Coastline for years. John and team are always great to work with.

    Josh Langdon Avatar Josh Langdon
    September 19, 2022

    I can't say enough good things about the team at Coastline, especially Chad Harris. When our initial lender fell through, Chad and his team were able to get us... read more

    Andrew Lefeber Avatar Andrew Lefeber
    September 19, 2022

    After 9 months of stress and frustration our mortgage loan officer Mitch kept us in the loop, took our frustrations and took the time to explain everything. This was my... read more

    Sara Rizzo Avatar Sara Rizzo
    September 19, 2022
  • John and his team were very communicative, efficient, and their rates + associated costs blew away their competition. I don’t know why I bother to shop around; these guys... read more

    G Kokoski Avatar G Kokoski
    September 19, 2022

    Had a terrific experience with Coastline Mortgage and Chad Harris. Chad worked hard to accommodate us for our mortgage, find the best rates and options for us specifically, and worked... read more

    Nate Cook Avatar Nate Cook
    September 19, 2022

    Mitch was the best. We were first-time home buyers, and he walked us through every step. I will always go through Coastline Mortgage from now on!

    Christopher Beard Avatar Christopher Beard
    September 19, 2022

    My refinance was quick and efficient. No money out of pocket and PMI was removed to go to a conventional loan. I would highly recommend Coastline.

    William Davis Avatar William Davis
    September 19, 2022