Jim Podratsky
VP, Branch Manager & Sr. Loan Officer | NMLS ID #3...
We believe that a closed loan is not the end of our relationship - it's just the beginning.
Built on commitment, character, and innovation we are a next-generation, customer-focused lender driven by a mission to make the homebuying process... Show More
Location & Business Hours
Business Hours
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Jim was great! made the process easy!
Jim Podratsky has received a review with 5 star rating from Efi W
Reply from Owner
January 2nd, 2026 12:00 AM
Thank you for the 5-Star Review!
Good communication. Extra effort to ensure best rates are received and full transparency through the entire process.
Great lender with great service ensuring full transparency and best rates are received.
Reply from Owner
November 2nd, 2025 12:00 AM
Thank you for the review!
Very responsive, great communication and a very smooth transaction! Made getting our house as painless as possible.
The whole process was very easy with their help.
Jim was very knowledgeable and available at all times through my loan processing, even on weekends and weeknights which was great because I work full time. You can tell Jim is a genuine business man who truly cares about his clients and the...
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Jim was an awesome person to work with, available at all times which made things even easier since I work full time. He’s highly knowledgeable and trustworthy at what he does and led the process with ease. Jim is a genuine guy who truly cares...
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Reply from Owner
October 2nd, 2025 12:00 AM
Ashley, thank you so much for the kind words! It was an absolute pleasure working with you and helping make the process as smooth as possible. I truly believe my job doesn’t end at closing—I’m always here as a resource whenever you need me....
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I sent screenshots of my banking account information to show that I had made payments on accounts and then was told that my lender was unaware. We spoke on the phone and I asked if I n to payoff any other accounts and saw my final settlement...
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Jim was great and always willing to answer questions to help us through the process!
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About
We believe that a closed loan is not the end of our relationship - it's just the beginning.
Built on commitment, character, and innovation we are a next-generation, customer-focused lender driven by a mission to make the homebuying process simple, easy, and stress-free for our clients.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Bridge Loans
USDA Loans
Reverse Loans
Specialities
Conventional Loans
FHA Loan
USDA Loan
First Time Home Buyer
Investor Loan
Second Home Loan
Vacation Property Loan
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Positions
- Atlantic Coast Mortgage - Branch Manager May 8th, 2023 - Current
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS ID #312528
- Licensed in DE, FL, MD, NC, SC, VA, WV
Disclaimer
Atlantic Coast Mortgage, LLC is an Equal Housing Lender | Company NMLS ID #643114 (www.nmlsconsumeraccess.org) | Doing business in Pennsylvania under the trade name ACM, LLC of PA | Georgia Residential Mortgage Licensee, License # 61978 | Arizona (103946), Colorado, Connecticut (ML-643114), Virginia (MC-5560), D.C. (MLB643114), Delaware (018266), Louisiana, Maryland (19711), West Virginia (ML-34255), Delaware (018266), Tennessee (138203), Pennsylvania (62503), North Carolina (L-164348), South Carolina (MLS - 643114), South Carolina (MLS - 643114 OTN #1), Georgia (61978), Florida (MBR2951), Florida (MLD1461), Kansas (MC.0025719), Maine (643114), Michigan (FR0024148), Michigan (SR0024149), New Hampshire (24683-MB), Oregon (643114), Texas, Wisconsin (643114BA), Wisconsin (643114BR), and Oklahoma (ML012369), (ML013345)