Atlantic Coast Financial Services was founded by Bill Gourville in 1996. At that time, he was one of the only mortgage brokers in Wilmington, NC. As independent mortgage brokers, we offer the best of ALL worlds – low rates, great service, and fast approvals!

We have relationships with numerous different lenders. This allows for us to shop for the best rates and terms on your behalf. Our rates are superior due to the fact that we receive wholesale pricing. Since we broker the loan and do all the heavy lifting to get you to the closing table, lenders are able to offer better terms.

We pride ourselves on being accessible and transparent. This commitment involves keeping lines of communication open beyond the typical corporate Monday through Friday, 9:00-5:00 schedule. Clients are encouraged to contact our Loan Officers on their personal cell phones. Also, our office phones forward calls to our cell phones if they are not picked up right away. We understand that our clients have busy schedules and want to make sure that all questions get answered.

Cutting edge technology allows us to close loans FAST. We have systems in place to streamline the mortgage process and consistently close loans in three weeks or less. Online applications, early disclosures, e-signing, and seeking out potential appraisal waivers are just some of the ways that we are able to close more efficiently than others.

By choosing Atlantic Coast Financial Services for your mortgage needs, you are not only getting access to the best rates, diverse product offerings, and elite service. You are also supporting small local business. We have one office in Wilmington, NC and live locally.