Atlantic Coast Mortgage

There’s a difference between having experience and knowing how to use it.

As our newest VP and Sr. Loan Officer, Steve Maynes brings both. His approach is shaped by years of helping clients through every kind of market, situation, and goal—with a focus on what matters most: listening, advising, and delivering a smooth path forward.

At ACM, that mindset fits right in. Steve’s thoughtful leadership and client first approach strengthen the way we serve homebuyers every day, and we’re proud to have him on the team.

Want to connect? Start here: acmllc.com/steve-maynes

We’re proud to share that ACM is ranked as a Top 3 Mortgage Lender in Virginia. *

This ranking is more than just a number. It demonstrates our drive for efficiency, speed, and effectiveness, powered by industry-leading technology and a culture obsessed with delivering exceptional client experiences.

Our clients and partners trust us because we deliver a seamless, personalized, modern mortgage experience that they can rely on.

Whether you’re buying your first home or your dream home, choose a mortgage partner who consistently ranks among the best.

*This ranking is based on RETR loan volume data from 01/01/2025 - 06/01/2025.

🎉 Team Spotlight 🎉

Meet Melissa Candler, Senior Closer and our behind-the-scenes problem solver in Closing. For 8 years, Melissa has been the go-to teammate, helping to keep our clients' loans moving forward with incredible speed, accuracy, efficiency, and a willingness to step in whenever her team needs support.

Whether she’s navigating a challenging loan or sharing insight from her years of experience, Melissa’s positive energy and reliability help keep our closings on track. She is always ready to go the extra mile, making sure every loan closes smoothly for our clients and partners.

Outside the office, Melissa loves to stay active, whether she is golfing, practicing early-morning yoga, or traveling with her husband. She is also hooked on true crime podcasts and documentaries. When it is time to unwind, you can find her in her favorite spot, sunny Cabo San Lucas.

Great news, ACM Essential Grants are back, while funds last!

🏡 First-Time Homebuyers: Up to $17,500 toward down payment and closing costs.
🏡 Community Partners: Up to $20,000 toward down payment, closing costs, and eligible home repairs.

Ready to take your next step? Contact our team today to learn how these grants may help you purchase your new home.

🔗 www.acmllc.com

🎆 Cheers to freedom, family, and the pursuit of happiness! 🇺🇸 We hope your Fourth of July is full of joy, fireworks, and unforgettable moments with loved ones.

July is all about independence—and if you’re renting, now may be a great time to explore homeownership. Why continue paying rent when you could be investing in a place of your own? 🎆🏡

🔑 Annual rent increases can be unpredictable—owning a home may provide more stability.
🔑 Every mortgage payment helps you build equity—rent just covers your landlord’s costs.
🔑 Homeownership gives you control—personalize your space and create a place that’s truly yours.

Not sure where to start? Let us help you explore:
✅ Down Payment Assistance & First-Time Buyer Programs
✅ Low or No Down Payment Loan Options
✅ Mortgage Solutions That Fit Your Budget & Goals

Don’t wait! Take the first step toward your homeownership independence today at 📲 acmllc.com

Please join us in congratulating Jenna Stiltner at Atlantic Coast Mortgage, VP & Sr. Loan Officer in Charlottesville, VA, on being named one of Experience.com's Top 500 Performers in Customer Satisfaction for 2024! 😎

This national recognition is a reflection of Jenna and her team’s commitment to putting clients first — creating a home financing experience that’s clear, responsive, and truly supportive from start to finish.

Ready to start your homeownership journey? 👉 Connect with the team at TheStiltnerTeam.com today.

🌟 Congratulations to Kerry Thomas, EVP & Director of Operations, on being named a 2025 Woman of Influence by HousingWire! 🌟

This prestigious award honors industry-leading women who are driving progress in housing—and Kerry is doing just that. Her leadership has transformed ACM’s operations into one of the most efficient, responsive, and people-centered teams in the industry. Her strategic insight, decisive leadership, and empathy driven approach have built more than just streamlined systems and processes—they’ve built a culture of trust, growth, and excellence.

Through her ongoing commitment to process improvement and operational excellence, Kerry has steadily reduced ACM’s closing timelines by half, strengthened team engagement, and helped set a consistently high bar for performance across the organization. Kerry doesn’t just lead—she listens, mentors, and inspires at every level.

We’re incredibly proud to see her leadership recognized on a national stage. Congratulations, Kerry—you continue to influence not just operations, but the future of lending itself. 💙

We’re honored to share that Atlantic Coast Mortgage has been named a Top 10 Mortgage Company in the Large Division for the 2024 Top Performers in Customer Satisfaction by Experience.com!

At ACM, client care isn’t just a priority, it’s the foundation of everything we do. From day one to closing day (and beyond), we’re committed to making the mortgage process as simple, transparent, and stress-free as possible. Every rating, review, and referral is a reflection of that mission in action.

To every client and partner who’s trusted us along the way — thank you. We’re proud to be part of your homeownership journey.

We’re excited to share that has been named a 2025 Financial Services Top Workplace!

This recognition is all about our people—the way we show up for each other, for our clients, and for our partners every single day. It’s proof that when you build a culture rooted in trust, support, and shared success, everyone wins.

That kind of environment doesn’t just feel good—it delivers real results.

Looking for a place where you can grow, be supported, and make an impact?
👉 Explore career opportunities at www.acmllc.com

✨ Starting Strong: ACM Interns Tour Children’s National Hospital ✨

We’re thrilled to welcome our summer interns to the team! To kick off their time with us, we visited Children’s National Hospital, one of our long-standing community partners, whose mission to care for children and families deeply aligns with ACM’s commitment to making a positive impact.

Guided by hospital staff, interns toured the ACM-sponsored wing and saw how our support helps bring hope to families facing challenging times.

Through fundraising, donation drives, and team-led contributions, ACM proudly supports a mission that delivers care, comfort, and healing to children and their loved ones. This visit offered our interns a meaningful introduction to the heart behind what we do and our mission of being a leader that positively impacts our local communities. 💙

Learn more about our support for Children’s National and other community organizations:
🔗 atlanticcoastmortgage.com/giving-back