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


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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

  • Wonderful company. John was a super helpful loan officer throughout the entire process

    thumb Rachel Mills
    September 19, 2021

    Highly recommend! Mitch Ludwig and his team at Coastline were more than helpful in our mortgage process and were so easy to work with. If you’re looking for a mortgage... read more

    thumb Pete Moreno
    September 19, 2020

    John Russ was absolutely amazing through this experience

    thumb Ryan Cook
    November 19, 2022

    Chad was great to work with! He helped me with my house purchase and subsequent refinance with efficiency and ease. Highly recommend!

    thumb Samantha Hegarty
    September 19, 2020
  • 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

    thumb Nate Cook
    September 19, 2022

    Everyone is knowledgeable and willing to help to the full extent. Highly recommend.

    thumb Chad Eichelberger
    September 19, 2020

    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!

    thumb Christopher Beard
    September 19, 2022

    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

    thumb Kevin Rumsey
    April 19, 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

    thumb Ross Carter
    September 13, 2023

    Chad and staff are super easy to deal with, and very responsive. Their expertise makes everything go smooth as silk.

    thumb Jerry Jones
    September 19, 2021

    I would definitely work with Mitch Ludwig again to buy a house! He was responsive, kind, and patient. I appreciated being able communicate via email and text as we worked... read more

    thumb brandi tuttle
    September 19, 2020

    Chad and the staff at Coastline Mortgage are a pleasure to work with. My husband and I had a unique situation but Chad worked diligently to help us iron out... read more

    thumb Jessica Dixon
    September 19, 2021
  • My experience with coastline mortgage was very good, mitch Ludwig was very knowledgeable and awesome when it had to do with the process thanks for everything

    thumb Robert Avina
    September 19, 2021

    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

    thumb Tricia Conte
    May 19, 2023

    Chad was our agent and did an exceptional job. Thank you so much! Joy

    thumb Joy Lewis
    September 19, 2020

    Excellent all around!

    thumb flick guerrina
    September 19, 2021
  • 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

    thumb Kory Hodge
    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

    thumb Sara Rizzo
    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.

    thumb William Davis
    September 19, 2022

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

    thumb William Mihaly
    August 19, 2023