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
Sun
9 AM to 5 PM(Open now)
Mon
9 AM to 5 PM
Tues
9 AM to 5 PM
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Always available to answer any question right away.
Jim and the team made the entire process smooth, stress-free, and easy to understand. Always responsive, professional, and truly made me feel like a top priority. Highly recommend!
Jim and his team were excellent communicators and very attentive! we are so thankful for all you did for us!
Outstanding communication and service.
Jim and his team moved quickly and efficiently to ensure I got my dream home in a very expedited time frame! They educated me every step of the way. Couldn't have asked for a better first time home buying experience
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It was a great experience working with Atlantic Coast Mortgage and Jim Podratsky. They really worked hard to make this transaction smooth and to get me the best rate possible. I will be working with them again in the future.
Reply from Owner
July 2nd, 2025 12:00 AM
Thank you so much for the great feedback! It was a pleasure working with you, and I’m glad we could make the process smooth. We truly appreciate your trust in us and look forward to working with you again in the future!
Everyone at ACM exceeded my expectation.
Jim and his team made the process easy and were available to answer any questions. Everything went smoothly and I will definitely use their services for any future home financing needs.
Jim and his team made the mortgage process easy and were available to answer any questions. Everything went smoothly and I will definitely use their services for any future home financing needs.
Reply from Owner
June 2nd, 2025 12:00 AM
Thank you so much for your kind words! We're thrilled to hear that you had a smooth experience and that our team was able to make the mortgage process easy for you. It was a pleasure working with you, and we truly appreciate your trust. We...
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ACM's attentiveness, speed, and dedication made the experience easy and painless !
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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)