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.

First-Time Home Buyers NEED to do these things!
06/17/2026

First-Time Home Buyers NEED to do these things!

Big life changes can bring big housing questions. Maybe your family is growing, you’re going through a transition, you’r...
06/12/2026

Big life changes can bring big housing questions. Maybe your family is growing, you’re going through a transition, you’re planning for retirement, or your current home just doesn’t fit the way it used to.

Whatever season you’re in, having the right mortgage guidance can help you figure out what options make the most sense for where life is taking you next.

Source: Keeping Current Matters “Why People Move” Playbooks

As the summer begins to heat up, the housing market is already on fire! So happy for our wonderful buyers and their enti...
06/11/2026

As the summer begins to heat up, the housing market is already on fire! So happy for our wonderful buyers and their entire family to find this amazing property to call home. We had an excellent plan in place for them and were ready to move quickly when the market dictated. Working with Heather and Kristian is always the best. They did an excellent job on this from start to finish and thanks for trusting our team with your buyers. As always working with MBH Settlement Group Gainesville makes things seamless. We are so happy for the entire family. If we can help you navigate this market and find your dream home reach out right away!

06/11/2026

One of the best parts of this business is having trusted referral partners we know our clients can count on.

Today, I’m introducing Cory Nicastro with Atkinson Insurance Agency, also known as Cory Insures NoVA. Cory has been an incredible resource for our clients, especially first-time homebuyers who are trying to make smart decisions and save where they can.

When a first-time homebuyer can save around $900, that is a big deal, and Cory does a great job helping clients understand their options without making the process overwhelming.

We’re grateful to have partners like Cory who take such great care of the people we send their way.

Sometimes the right home is in the right neighborhood, but the kitchen, bathrooms, or layout need a little vision.Instea...
06/09/2026

Sometimes the right home is in the right neighborhood, but the kitchen, bathrooms, or layout need a little vision.

Instead of passing on a home with potential, it may be worth looking into financing options that allow you to make improvements over time. The right strategy can help you think beyond what the home looks like today and focus on what it could become.

Proud moment for ACM!Atlantic Coast Mortgage has been recognized as a Top 55 Overall Lender by Scotsman Guide for 2026.T...
06/05/2026

Proud moment for ACM!

Atlantic Coast Mortgage has been recognized as a Top 55 Overall Lender by Scotsman Guide for 2026.

This achievement speaks to the incredible people behind the scenes — our loan officers, operations teams, leadership, partners, and everyone working hard to create a better mortgage experience every day.

We are grateful for the clients and referral partners who continue to trust us, and excited to keep building on this momentum.

Onward and upward!

Whether you’re buying your first home, moving up, or refinancing, a clear mortgage plan can help you move forward with m...
06/02/2026

Whether you’re buying your first home, moving up, or refinancing, a clear mortgage plan can help you move forward with more confidence.

It’s not just about getting approved. It’s about understanding your options and choosing the path that fits your goals.

A smooth experience from start to finish is always the goal.Grateful for the kind words from Valerie and thankful for th...
05/29/2026

A smooth experience from start to finish is always the goal.

Grateful for the kind words from Valerie and thankful for the trust throughout the process. My team and I are always here to make your mortgage journey as seamless as possible.

There is nothing better in our business than meeting great people and helping them find their dream homes. We are so hap...
05/26/2026

There is nothing better in our business than meeting great people and helping them find their dream homes. We are so happy for Valerie, congratulations on your amazing home and welcome to Northern Virginia🎉 It was a pleasure assisting you with your purchase. Purchases are always this smooth with great agents, thank you Andrew for introducing us to Valerie and trusting us with your buyers purchase needs. As always it was the best working with Centerview Title Group. If you are someone you know is looking to purchase a home please reach out to us at ACM Haymarket, we are here to bring you home!

Today we honor the men and women who gave everything so we could live freely. Their sacrifice will never be forgotten, a...
05/25/2026

Today we honor the men and women who gave everything so we could live freely.

Their sacrifice will never be forgotten, and their legacy lives on in the country and communities they helped protect.

Address

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

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