Charleston, South Carolina waterfront and historic architecture

CFC – Charleston SC:

Experts in Home Purchases & Refinance

At Coastal Funding Corporation, we offer a wide variety of loan programs from an extensive range of top-rated lenders.

  • Perfect for your next home or investment property
  • Single family, investment properties, condos, town homes as well as modular and manufactured homes
  • We're constantly researching the latest market trends to ensure our clients have the best options available

What We Offer

Loan Products & Programs

We proudly offer:

ConventionalU.S.D.A.FHA LoansVA LoansEquity LinesNationwide High Balance LoansConstructionBusiness Loans
Learn About Our Loan Programs

Who We Are

About Us

Coastal Funding is a local mortgage company where the genuine care and well being of our clients is our main priority. Incorporated in 2004, we have pledged since our inception to provide the highest levels of customer service through our constant communication and use of the most competitive loan products available. Making our home on James Island, Coastal Funding is one of the South's premier mortgage brokers.

Learn More About Us
Home equity loan

Now Offering Fast and Simple Equity Lines

Apply Now
Charleston SC waterfront

How Much Can You Prequalify For?

Find Out Today

Stay Informed

Latest Articles

Top Reasons to Consider Refinancing Your Mortgage as Interest Rates Decrease in Pensacola

Top Reasons to Consider Refinancing Your Mortgage as Interest Rates Decrease in Pensacola

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How Lower Interest Rates Affect Your Mortgage and Refinancing Options in Pensacola

How Lower Interest Rates Affect Your Mortgage and Refinancing Options in Pensacola

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How to Benefit from Lower Interest Rates: A Guide to Refinancing Your Mortgage in Pensacola

How to Benefit from Lower Interest Rates: A Guide to Refinancing Your Mortgage in Pensacola

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The Impact of Interest Rate Changes on Your Pensacola Mortgage: What You Need to Know

The Impact of Interest Rate Changes on Your Pensacola Mortgage: What You Need to Know

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Exploring the Benefits of Mortgage Refinancing Amid Falling Interest Rates in Pensacola

Exploring the Benefits of Mortgage Refinancing Amid Falling Interest Rates in Pensacola

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Experience Matters: Why Coastal Funding Corporation Is the Smart Choice for Homebuyers and Investors

Experience Matters: Why Coastal Funding Corporation Is the Smart Choice for Homebuyers and Investors

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Unlocking the Potential of Your Pensacola Home: Refinancing Tips for Lower Interest Rates

Unlocking the Potential of Your Pensacola Home: Refinancing Tips for Lower Interest Rates

Continue Reading →
Charleston SC historic district

What Our Clients Say

Our Reviews:

CA

Cathy Antunez

Baby Steps

Jay educated me on how to improve my credit so that I could qualify for a better rate. He was patient, knowledgeable, and truly had my best interest at heart. I highly recommend Coastal Funding Corporation!

DD

Daphne D.

Stellar Company

Excellent service and very knowledgeable. The team at Coastal Funding made the entire process smooth and stress-free. I would not hesitate to use them again.

MS

Michael Snowden

Mind Blown

Fast and easy. My wife and I closed within 10 days and saved thousands compared to our previous lender. Absolutely incredible experience from start to finish.

ST

Sarah T.

First Time Buyer

As a first-time homebuyer I was nervous about the whole process, but Coastal Funding walked me through every step. They found me a great rate and made sure I understood everything. Couldn't be happier!

RM

Robert & Lisa M.

Refinance Experts

We refinanced our home and saved over $400 a month on our mortgage payment. The team was responsive, professional, and closed faster than we expected. We will definitely use them again.

JH

James H.

VA Loan Specialist

As a veteran, I wanted to use my VA benefits but wasn't sure where to start. Coastal Funding handled everything seamlessly. They are true professionals who respect and support our military community.

PW

Patricia W.

Outstanding Service

I've worked with several mortgage companies over the years and Coastal Funding is by far the best. They are honest, transparent, and genuinely care about getting you the best deal possible.

DS

David & Karen S.

Investment Property

We purchased our second investment property through Coastal Funding and the experience was flawless. Their knowledge of the Charleston market is unmatched. Highly recommend to any investor.

AR

Amanda R.

Quick Close

I needed to close quickly on a competitive offer and Coastal Funding delivered. They kept me informed every single day and we closed on time. I cannot thank them enough for their dedication.

TB

Thomas B.

Highly Recommend

Jay and his team are the real deal. They worked tirelessly to get us approved when another lender had turned us down. Their persistence and expertise made our dream home a reality.

NF

Nicole F.

FHA Made Easy

Coastal Funding made the FHA loan process incredibly easy to understand. They explained every fee, every step, and every option. I felt completely confident throughout the entire process.

GP

Greg & Michelle P.

Repeat Customers

This is the third time we have used Coastal Funding and they never disappoint. Their rates are competitive, their service is exceptional, and they always go above and beyond for their clients.

BK

Brandon K.

Smooth Process

From pre-approval to closing, everything went perfectly. Jay kept us updated every step of the way and answered every question we had. The whole team is top notch.

TL

Tiffany & Marcus L.

Dream Home

We had been turned down by two other lenders before finding Coastal Funding. They found a solution that worked for our situation and we closed on our dream home. Forever grateful!

SO

Steven O.

Best in Charleston

I've referred three of my friends to Coastal Funding and every single one of them has had a great experience. They are simply the best mortgage company in Charleston.

JC

Jennifer C.

Stress Free

Buying a home can be so stressful but Coastal Funding made it feel easy. They were always available to answer my calls and emails and never made me feel like I was bothering them.

KH

Kevin & Dana H.

Incredible Team

The entire team at Coastal Funding is incredible. Professional, fast, and genuinely caring. We got a rate we didn't think was possible and closed two weeks ahead of schedule.

RB

Renee B.

Above and Beyond

Jay went above and beyond to make sure I understood every aspect of my loan. He never rushed me and always had time to explain things clearly. Truly exceptional service.

CW

Chris & Amy W.

Highly Satisfied

We refinanced our home and the process was seamless. Coastal Funding saved us hundreds of dollars a month and the whole thing was done in under three weeks. Highly satisfied.

DM

Derrick M.

Veteran Approved

As a retired Marine, I wanted to work with someone who understood VA loans inside and out. Coastal Funding exceeded every expectation. They are true advocates for veterans.

LT

Laura & Paul T.

Wonderful Experience

We were first-time homebuyers and had no idea what to expect. Coastal Funding held our hand through the entire process and made sure we felt confident at every stage. Wonderful experience.

AG

Anthony G.

Fast Closing

I needed a fast closing due to a competitive market and Coastal Funding delivered in record time. Their efficiency and communication were outstanding. I will use them again without hesitation.

MS

Monica S.

Transparent & Honest

What I appreciated most was the transparency. No hidden fees, no surprises at closing. Coastal Funding was upfront about everything from day one. That kind of honesty is rare.

WF

William & Joyce F.

Retirement Home

We purchased our retirement home through Coastal Funding and the experience was everything we hoped for. Patient, professional, and genuinely invested in our happiness. Thank you!

BN

Brittany N.

Life Changing

Getting approved for my first home was life changing and Coastal Funding made it happen. They believed in me when I wasn't sure I could qualify. I am so thankful for their dedication.

SD

Scott & Rachel D.

Competitive Rates

We shopped around with several lenders and Coastal Funding had the best rate by far. But beyond the rate, their customer service was on another level. We felt like family.

CV

Carlos V.

Investment Pro

I've purchased four investment properties through Coastal Funding over the past five years. Every single transaction has been smooth and professional. They are my go-to lender for life.

HJ

Heather J.

Relocated to Charleston

We relocated from out of state and needed a lender who knew the Charleston market. Coastal Funding was incredibly helpful and made our long-distance home purchase feel effortless.

TR

Timothy & Susan R.

Second Home

Purchasing our second home was a breeze with Coastal Funding. They remembered us from our first purchase and picked right up where we left off. Loyalty truly goes both ways with this team.

VM

Vanessa M.

USDA Loan Expert

I didn't even know I qualified for a USDA loan until Coastal Funding pointed it out. That saved me thousands in down payment costs. Their knowledge of loan programs is unmatched.

JA

Jason & Kimberly A.

Exceptional Communication

The communication from Coastal Funding was exceptional. We always knew exactly where we were in the process and what was coming next. No stress, no confusion — just results.

DP

Donna P.

Single Mom Success

As a single mom I was worried I wouldn't qualify for a mortgage on my own. Coastal Funding worked with me for months to get my finances in order and I finally closed on my own home. I cried happy tears!

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NMLS ID: 103035

Coastal Funding Corporation

Charleston, SC

Office Hours

Monday – Friday: 9am – 9pmSaturday: By appointmentSunday: By appointment

Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law.

© 2004–2026 Coastal Funding Corporation Inc. NMLS: 103035. Trade/service marks are the property of Coastal Funding Corporation Inc. or their respective affiliates and/or subsidiaries. Some products may not be available in all areas. This is not a commitment to lend. Restrictions apply. All rights reserved. Terms and Conditions Apply. Licensed in FL, SC, TN.