Coastal Funding Corporation: Your Trusted Mortgage Services Partner

Founded in 2004 in Myrtle Beach, South Carolina, Coastal Funding Corporation began with a clear mission: to provide homeownership assistance and exceptional client care to South Carolina homebuyers. Rooted in values of communication, trust, and "More Lenders – More Options," the company quickly distinguished itself as a premier mortgage broker in the South.

Over two decades later, we've expanded thoughtfully into Charleston, SC, Pensacola, FL, and Hendersonville, TN, bringing our local approach and diverse mortgage options to homebuyers across these communities.

Our Locations & Local Focus:

Myrtle Beach, SC (Main Origin)

Laid the foundation for our commitment: local service, zero broker fees, and broad loan access.

Charleston, SC

Opened subsequent to our Myrtle Beach success, serving Charleston and James Island with the same promise of client-centered mortgage solutions. Offers FHA, VA, USDA, high-balance, construction, business, and conventional loans. www.charlestonmtg.com

Pensacola, FL

Extending service into Florida under our same brand and values. The Pensacola office delivers consistent mortgage programs and is accessible via FL Direct: 850-725-6500.

Hendersonville, TN

Recently added to our footprint, Coastal Funding now serves Middle Tennessee as “CFC Mortgage,” delivering expert mortgage lending backed by 20+ years of experience. Same offering of loan types and broker model—local care, more options. www.cfcmortgage.loan

What Sets Us Apart:

More Lenders, More Options

As an independent mortgage broker, Coastal Funding Corporation taps into a wide network of top-tier lending institutions. This variety allows us to tailor mortgage loans—from conventional and jumbo to FHA, VA, USDA, and tailored programs like renovation or bank-statement programs for self-employed borrowers.

Transparent Fee Structure

Coastal Funding generally charges no broker fees, origination fees, discount points, or underwriting fees—passing cost savings directly to borrowers.

Support for Alternative Income & Investors

We offer solutions for self-employed and 1099 wage earners, non-occupying co-borrowers, rental-income eligibility, and bank-statement programs (12- and 24-month) to accommodate non-traditional income models.

Fast Closings & Personalized Service

Expect proactive communication from application through closing, with streamlined processes and digital tools (e-disclosures, remote appointments) that get borrowers into homes efficiently. Local offices are open for in-person or Zoom appointments.

Our Loan Programs:

Across all locations, we offer a full suite of mortgage programs:

Federal and Conventional Loans: Fannie Mae / Freddie Mac fixed-rate mortgages (15-, 20-, 30-year) plus ARMs.

Government-Backed Programs: FHA, VA, USDA—with low-down, no-down options and flexible credit requirements.

Renovation Loans: HomeStyle Renovation and 203(k) packages for homes needing repairs.

High-Balance / Jumbo Loans: Available with FICO scores from mid-580s to 680s depending on the office.

Investor & Rental Property Loans: Primary home, second home, condos, townhomes, manufactured homes, and business loans via affiliate programs.

Non-QM & DSCR Options: Catering to self-employed, investors, and non-traditional underwriting. Coastal Funding Corporation

Mission & Values:

Our core mission is simple yet powerful:

Empower borrowers to realize homeownership and financial goals.

Deliver exceptional customer service with consistent communication.

Provide maximum available mortgage options so clients find the best fit, not just the default.

Offer accessible, local expertise through regional offices but with national reach. Coastal Funding Corporation+1coastalcommunitylending.com+1charlestonmtg.com+1CFC Mortgage - Hendersonville+1

Why Clients Choose Us:

Local Expertise, Personalized Care

Coastal Funding brings small-town customer service and responsiveness to each community we serve.

Diverse Loan Options Without Extra Fees

No broker fees, points, or hidden costs—just a comprehensive lender network and multiple loan structures.

Flexible & Innovative Programs

From bank-statements for self-employed borrowers to investment-property financing, we offer options traditional lenders may not.

Efficient Closing Process

With digital applications and proactive underwriting, many borrowers close in just a few weeks, with constant support throughout.

Looking Forward:

As we continue to grow, our core promise remains unchanged: helping you move homeward with financial clarity and confidence. Whether you're in South Carolina, Florida, Tennessee—or anywhere else we serve—you’ll find Coastal Funding Corporation to be your local mortgage partner with expansive reach and unmatched dedication.

Coastal Funding Corporation—Your hometown mortgage experts from coast to coast.