Bill Gourville

Bill Gourville is a mortgage industry veteran with over 28 years of lending experience. He is the Owner/President of Atlantic Coast Financial Services which he founded in 1996.  Atlantic Coast Financial Services has been serving consumers wishing to buy or refinance a home in the State of NC for over 20 years and has established itself as a local favorite amongst the Realtors as being straightforward, honest and hardworking while providing some of the lowest rates in the area.

Bill has always prided himself in hard work ethics.  Being the last of 8 children, whose parents were raised during the depression, he was taught the right way to do things and to respect others. Bill takes that same approach with each and every loan, be it a consumer with an 800 credit score buying a $500,000 home or those first-time homebuyers with less than desirable credit.  In his eyes, we are all equal and will work just as hard with each consumer.  His approach to customer service has resulted in one positive referral after another throughout his career.

Bill is married to his beautiful wife Tracy for past 22 years and has 2 children, Preston and Jordan.  Preston currently is attending NC State University on an academic scholarship studying Chemistry and Jordan is in 8th grade currently attending Cape Fear Center for Inquiry.

Bill is a 1988 Graduate of UNC – Greensboro with Bachelors Degree in Finance, with a concentration in Financial Management.  He is also Member of St. Matthews Lutheran Church in Wilmington and is very involved in local youth sports and working with Special Olympics Golf and helping where it’s needed with the Youth of St. Matthews.

If you would like to know more about Bill or Atlantic Coast Financial Services, please do not hesitate to call.

Justin McCrone

I joined Atlantic Coast Financial Services in 2015. I moved here from from Cleveland, Ohio. Back in Ohio, I worked as a Loan Closer and Title Specialist for Fannie Mae for six years. During those six years I handled the closing of over 1,500 loans. I also identified and handled potential tile problem on over 800 properties. Title problems including HOA disputes, survey issues, attorney errors, and special assessments. This experence has made me a better licensed Loan Officer in North Carolina. I'm an advocate for my borrowers, educating and walking them through the loan process. I am always working to get them the best loan possible.

I live in Wilmington with my wife Lindsi, son Dalton, and two dogs. I enjoy taking the family for strolls along the Riverwalk in downtown Wilmington. Our family loves playing on the local beaches. I collect and sell baseball cards. I enjoy watching the Cleveland Indians and Ohio State Buckeyes, my favorite teams. Lindsi and I are foodies. We enjoy exploring new restaurants around town. I also enjoy cooking and making my homemade BBQ sauce. Lindsi, Dalton and I also like to travel.

I look forward to working with you on your home loan.

David Rice

From the beginning of my work career, I have worked in the financial and/or customer service related fields; from accounting to lending to retail to government taxation. My varying endeavors have worked successfully for me over the years, allowing me a unique perspective of the need for rules and regulations and the need for privacy at all levels. I pride myself on my ability to combine working with people on very sensitive matters while maintaining the need to follow legal and ethical rules, all while working to accomplish the desired result. I began my Mortgage Lending career in 1998 and continued for 14 years. I worked mainly in the sub-prime market, helping those in the high at-risk arena, while also maintaining my integrity and working with a company that worked hard to overcome the industry stigma of the predatory lending practices of lesser ethical companies. I eventually made the decision to move on and join the North Carolina Department of Revenue as a Revenue Officer and stayed there for 7 ½ years before making the move to join my wife in her Real Estate company, YarrowSells Coastal Realty, as her Operations Manager. Working (and being married to a Real Estate Broker) in this industry has allowed me to cross-train my knowledge to enhance my ability to see and understand multiple sides of the transaction. While working in this capacity, I met and became friends with Bill Gourville, who was looking to expand Atlantic Coast Financial Services beyond just himself and Justin McCrone. I decided to renew my mortgage license through the NMLS and NC and return to a field I have always found fascinating and rewarding.

I moved to Wilmington full time back in 1991 from Cary, NC. I finished up my schooling at UNC-Wilmington and stayed in this beautiful city that was like a second home to me, due to relatives living here. I met my wife here and got married in 2002. We have 2 beautiful boys and 2 spoiled miniature schnauzers to round out our family. I thoroughly enjoy living in Wilmington. While I have slowed a little as I age, I am very proud of my physical accomplishments of earning my 4th Degree Black Belt from John Maynard at Champion Martial Arts here in Wilmington, and my 1st Degree Black Belt from Chuck Norris’ Chun Kuk Do Organization (a connection from John Maynard). I enjoy spending time with family and friends and working on home projects.

I look forward to working with you, to meet your needs. Whether it be a purchase loan for your new home, second home, or residential investment property; or a refinance of your current residence.