Prior to beginning your home search, we recommend that you get Pre-Qualified from a local lender. 

1. These days most sellers will NOT accept an offer without at least a pre-qualification letter, so if you are serious about buying and want to be positioned for negotiating the best deal, this is the first step towards getting you in your new home.

2. While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.

3. Pre-qualification acts as a dry run of the loan application process. The mortgage lender will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most, and is free.

There are many well-qualified lenders that serve the Golden Isles.  The following are two that we recommend based on their experience and track record: 


Lender contacts:

Patti Hale
Homestar Mortgage 


Conrad Smith
Coastal Mortgage Solutions


See both Company's info below:








Coastal Mortgage Solutions is a full service mortgage brokerage firm. Our client’s needs are at the forefront of our business model. Every decision that we make has our client's best interest at heart. The Coastal Mortgage Solutions team has over 20 years of combined financial service experience. Our team has cultivated their knowledge and experience to construct a cutting edge home buying platform that is unparalleled in the mortgage industry. Coastal Mortgage Solutions is client focused and customer service driven, all while providing our clients with the best home loan options at an unparalleled value.

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