Kim Nacchia - Mortgage Lender

09/18/2026

A short-term rental (STR) isn’t simply a real estate purchase. It's part of a larger wealth-building and tax strategy.

⚡There's still time to make 2026 work for you
⚡The Dec 31st deadline most investors miss
⚡Want a 2026 write-off? You need to be IN SERVICE by 12/31
⚡Q3/Q4 STR buyers: This is your window

I work with investors on financing strategies designed around their income structure, investment goals, liquidity, leverage and long-term plans.

If you’re considering a STR let’s talk strategy before you start shopping.

Kim Nacchia- Mortgage Broker, FL, TN, GA, AL | DSCR 48 States
850.218.4616 | [email protected] | LendingTheCoast.com

09/04/2026

5.0 star review received on Experience.com for Kim Nacchia by Norman D - My lender had my back. She had all of my documents ready for me to sign. Kept me up to date on everything. Call to make sure I understood everything. She went above and beyond to make sure I got in my new house. Kim got me approved and in my house in 30 days. Much love to her.

Click to see all 146 reviews of Kim Nacchia, Loan Consultant | NMLS # 2118901

09/02/2026

5.0 star review received on Experience.com for Kim Nacchia by Jeffery G - Kim was amazing! As a first time home buyer, she made the process go very smooth and efficient to a level I would never imagined. I would never want any other consultant other than her going forward. I can't think Kim enough!

Click to see all 145 reviews of Kim Nacchia, Loan Consultant | NMLS # 2118901

09/01/2026

Realtors don’t need another lender offering to make flyers, meet for coffee, or who promises to “take great care of your clients.”

They need a mortgage partner who does the work before the offer is written.

That means:

1️⃣ Know the buyer—not just the approval amount.
Understand their actual payment comfort, financial goals, and long-term strategy, not simply what they qualify to borrow.

2️⃣Identify the risks early.
The goal is to uncover potential issues before they become contract problems.

3️⃣ Communicate when it matters.
When terms, credits, financing conditions, or timelines could impact the transaction, the Realtor should know- and know early.

4️⃣ Educate without creating anxiety.
Because buyers deserve more than a loan officer who can tell them what they qualify for.They deserve someone who can help them understand what makes financial sense.

Because a strong mortgage partner does more than get a buyer approved.

They help protect the client, the contract, and the Realtor’s reputation.

That’s the kind of partnership I believe Realtors deserve.

Not a vendor. Not a transaction processor. A mortgage strategist and trusted partner.

Kim Nacchia- Mortgage Broker, FL, TN, GA, AL | DSCR 48 States
850.218.4616 | [email protected] | LendingTheCoast.com

08/31/2026

Congratulations to my incredible VA buyers! Thank you for your service and welcome home!

Cash back at closing. 💰

That’s not just a closing- that’s smart mortgage strategy.

Getting you strategically positioned for the best possible outcome. 💰

The loan matters. The strategy matters. And who you work with matters.

Kim Nacchia- Mortgage Broker, FL, TN, GA, AL | DSCR 48 States
850.218.4616 | [email protected] | LendingTheCoast.com

08/24/2026

5.0 star review received on Experience.com for Kim Nacchia by Alexander P - AMAZING! One of the hardest working and diligent professionals I've ever had the pleasure of working with. 6/5 stars rockstar.

Click to see all 144 reviews of Kim Nacchia, Loan Consultant | NMLS # 2118901

08/20/2026

New school year. New goals. And hopefully one very good email with the word APPROVED in it. 😄

Here’s to a late summer full of plans moving forward, keys getting closer, and buyers finally exhaling.

🏘️Get pre-approved in 15 minutes. Be home in September.

Kim Nacchia, your go-to mortgage broker in Florida, Georgia, Tennesse and Alabama

850.218.4616 | [email protected] | LendingTheCoast.com

08/12/2026

Congratulations to my Homebuyers & Investors! 🔑

📈 The right strategy + mortgage partner turns "someday" into "today"

Whether your goal is:
✨the lowest possible monthly payment
✨minimizing cash outlay
✨maximizing leverage, or
✨structuring the financing around what matters most to you

I build the strategy around your priorities, not a one-size-fits-all loan.

Kim Nacchia- Mortgage Broker, FL, TN, GA, AL | DSCR 48 States
850.218.4616 | [email protected] | LendingTheCoast.com

08/12/2026

5.0 star review received on Experience.com for Kim Nacchia by Michael F - Kim did a great job throughout the entire home buying process. Her ability to explain technical questions was superb and she genuinely made me feel like she cared.

Click to see all 142 reviews of Kim Nacchia, Loan Consultant | NMLS # 2118901

08/07/2026

5.0 star review received on Experience.com for Kim Nacchia by Joy H - Kim was very active in making sure everything went smoothly and was very pleasant to work with. We are very grateful for her professionalism and commitment to getting us to the finish line quickly. Thank you!

Click to see all 141 reviews of Kim Nacchia, Loan Consultant | NMLS # 2118901