Atlantic Coast Financial Services was founded by Bill Gourville in 1996. At this time, he was one of the only mortgage brokers in Wilmington. Today, mortgage brokers account for about 20% of all mortgage originations. As independent mortgage brokers, we offer the best of ALL worlds – cost, service, and speed!

Did you know that we have relationships with numerous different lenders? This allows for you to leave the hassle of shopping for the best rates and terms to us. 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. The best part? Our services are FREE to you! We get paid by the lender only after your loan closes.
We pride ourselves on being accessible and transparent. Part of this commitment is by keeping lines of communication open beyond the typical corporate Monday through Friday, 9:00-5:00 schedule. Clients are welcome 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 FASTER than anybody else. We have systems in place to streamline the mortgage process and are consistently closing 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 quicker and more efficiently than others.

By choosing Atlantic Coast Financial Services for your mortgage needs, you are not only getting access to the best rates, most diverse product offerings, and elite service. You are also supporting small local business. We have one office in Wilmington, NC and live locally. Since we only serve the state of North Carolina, you can be assured that your Loan Officer has extensive local knowledge.