Jim Podratsky at Atlantic Coast Mortgage

Jim Podratsky at Atlantic Coast Mortgage Jim Podratsky SVP, Branch Manager & Sr. Jim Podratsky | SVP, Branch Manager & Sr. Let’s Make Your Next Move, Your Best Move!

Loan Officer
NMLS 312528

Atlantic Coast Mortgage, LLC
Equal Housing Lender
Company NMLS 643114 (www.nmlsconsumeraccess.org) Loan Officer - NMLS 312528

Your Trusted Mortgage Advisor—Here to Guide You Home. Reliable Mortgage Support from Application to Closing and Beyond
Whether you’re buying your first home, upgrading to your next, securing a vacation home, or financing your forever home, having the right mortgage loan officer makes all the difference. With over 22.9K 5-star client reviews, ACM is proud to be recognized as a trusted and reliable home loan partner — delivering peace of mind at every step of the homeownership journey. We understand that buying a new home or refinancing the home you love is always a big life event, which is why we focus on delivering tailored lending solutions and mortgage strategies to help you accomplish your homeownership goals. Experienced Mortgage Professionals & Tailored Lending Solutions
Navigating today’s housing market requires a skilled mortgage professional who understands local markets and evolving lending guidelines. We specialize in a wide variety of home financing options, including Conventional, FHA loans, VA loans, USDA loans, Jumbo loans, and mortgage refinancing. Each solution is personalized to help meet your unique financial needs and long-term goals. Our Lender for Life Commitment to Your Long-Term Success
We believe that a closed loan is just the beginning of our journey together. Throughout the life of your loan, we’ll help you monitor your home investment to discover new cost-saving opportunities and help you plan and achieve your future home purchase and refinance goals. Most importantly we’ll provide you with the tools and knowledge you need to leverage and take full advantage of your home investment making it work to your benefit.

Fall at home is all about the little things that make the season feel special. 🍂 How many squares can you check off? Com...
09/24/2026

Fall at home is all about the little things that make the season feel special. 🍂

How many squares can you check off?

Comment your number below and tell me which fall activity you’re most looking forward to!

A little preparation now can make those chilly fall days much more enjoyable later. 🍂Taking care of seasonal projects ca...
09/22/2026

A little preparation now can make those chilly fall days much more enjoyable later. 🍂

Taking care of seasonal projects can also help protect the place you’ve worked hard to call home.

What’s the first fall home project on your list? Tell me in the comments!

We’re excited to share that ACM’s conforming loan limit is increasing to $845k starting today!This higher limit may give...
09/18/2026

We’re excited to share that ACM’s conforming loan limit is increasing to $845k starting today!

This higher limit may give more homebuyers the opportunity to explore conventional financing at higher loan amounts and consider homes that may have previously required jumbo financing.

Thinking about buying a home or planning your next move?

One small home maintenance habit can make a big difference over time.Keeping up with the basics can help your home run m...
09/17/2026

One small home maintenance habit can make a big difference over time.

Keeping up with the basics can help your home run more efficiently and may help you avoid an unexpected repair later. 🏡

Appraisals are about more than just a number.With the new appraisal report format coming November 2, 2026, Fannie Mae an...
09/15/2026

Appraisals are about more than just a number.

With the new appraisal report format coming November 2, 2026, Fannie Mae and Freddie Mac are adding more detailed ways to capture property condition, improvements, and features.

That includes separate interior and exterior ratings, more information about kitchen and bathroom updates, and sections for energy-efficient and disaster-mitigation features.

For buyers, this means the details in the report are worth reviewing closely.

For homeowners and agents, this means it’s important to have a clear list of completed updates and improvements ready.

Preparation can make a big difference.

25 years later, we pause to remember a day that forever changed our nation.We honor the lives lost, the heroes who answe...
09/11/2026

25 years later, we pause to remember a day that forever changed our nation.

We honor the lives lost, the heroes who answered without hesitation, and the families who have carried their memories forward. May their courage, sacrifice, and legacy never fade.

We will always remember September 11, 2001.

Everyone’s dream home looks a little different. What’s the one feature you won’t compromise on?
09/10/2026

Everyone’s dream home looks a little different. What’s the one feature you won’t compromise on?

One of my favorite things to do is to assist people who are building a custom built home and using our Construction to P...
09/08/2026

One of my favorite things to do is to assist people who are building a custom built home and using our Construction to Permanent Loan at Atlantic Coast Mortgage. Our program is second to none in the industry if you are looking for a 1 time or a 2 time close. So happy to help our clients build their dream home with Keri Stephens and South Run Designs. Keri and her team build an amazing home and they are such a pleasure to work with. Wait until you see the work they are doing for this project. Thanks to Kyle Carnegie for assisting our clients throughout the process and so happy for everyone, enjoy your dream home! If you are interested in learning about financing your custom build please let me know and I will be happy to introduce you to Keri and South Run Design. They do amazing work!

What makes a house feel like home to you? The people, the memories, the little things, or something else?
09/08/2026

What makes a house feel like home to you? The people, the memories, the little things, or something else?

Consider this your reminder to relax a little extra this weekend. 😎 Happy Labor Day Weekend!
09/05/2026

Consider this your reminder to relax a little extra this weekend. 😎

Happy Labor Day Weekend!

Address

14535 John Marshall Highway, Suite 112 & 113
Gainesville, VA
20155

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