Myles Williams at Atlantic Coast Mortgage

08/24/2026

🏡💰 Want to lower your closing costs? It starts with having the right strategy.

Closing costs aren’t always a fixed number. Depending on your loan, your timing, and how you structure the purchase, there may be ways to manage how much cash you need upfront.

👇📅 Think about your closing date.
Closing later in the month can mean fewer days of prepaid interest at closing. Closing earlier may mean more prepaid interest upfront, but it can also push your first mortgage payment further out. It’s not necessarily about one being “better”—it’s about understanding the cash-flow tradeoff.

💵🏦 Choose the right loan program.
Conventional, FHA, and VA loans all have different down payment requirements, fees, and cost structures. Eligible VA borrowers may qualify for 0% down, FHA can offer lower down payment options, and qualifying first-time buyers may be able to purchase with as little as 3% down on a conventional loan.

🔑📈 Know what resources are available to you.
Retirement funds can sometimes be used toward a home purchase, but the rules vary by account type and individual situation. Before touching retirement savings, make sure you understand the tax implications and long-term impact.

✨ The goal isn’t just to find the lowest number—it’s to structure your financing around your cash, your goals, and your timeline.

📲 Thinking about buying a home? Let’s run the numbers and figure out which strategy makes the most sense for you.

07/27/2026

🏡 Closing costs don’t have to be confusing.

One of the biggest misconceptions I hear is that closing costs are just one giant fee. In reality, they’re made up of several different categories, each serving a specific purpose.
Here’s a quick breakdown:

📋 Title & Recording Fees – Protect your ownership and officially record the property in your name.

💵 Prepaids & Escrow – Funds for property taxes, homeowner’s insurance, and prepaid interest that help set up your escrow account.

🏦 Loan Fees – Lender charges, credit report fees, and optional discount points if you choose to buy down your rate.

🏠 Property & Third-Party Fees – Appraisal, home inspection, surveys, attorney fees, and other services depending on your transaction.

✨ The good news? Your Loan Estimate breaks every one of these costs down so you know exactly where your money is going.

If you’re buying a home in DC, Maryland, Virginia, Delaware, or Florida, I can walk you through every line item before you ever get to the closing table—so you know exactly what to expect.

📩 Send me a message and let’s build your personalized closing cost estimate today!

07/17/2026

What is a mortgage payment? 📉🏡

Your complete mortgage payment may include principal, interest, property taxes, homeowners insurance and HOA or condo fees.

That means two homes with the same purchase price could have very different monthly payments depending on:

📍 The location
🏛️ Local property taxes
🛡️ Insurance costs
🏢 HOA or condo assessments
💵 Your down payment and loan structure

Before you fall in love with a home based solely on the purchase price, make sure you understand the full monthly cost. ❤️🔑

Send me a DM and I’ll prepare a detailed payment breakdown based on your price range, down payment and preferred location. No confusing estimates—just a clear look at where your money is going. 📊📲

06/30/2026

Congratulations Nick. Happy for you, and grateful you trusted me to get you home.

As always, wonderful working with Ameer Gilani , you made all the difference.

06/26/2026

🏡✨ Interest Rate vs. APR: They’re NOT the same thing! 👀💰

A lot of homebuyers focus only on the interest rate, but that doesn’t tell the whole story. 🤔

✅ Interest Rate = The cost of borrowing the money.
✅ APR (Annual Percentage Rate) = The interest rate PLUS many of the costs associated with getting the loan, giving you a more complete picture of the loan’s true cost. 📊📑
Two loans can have the exact same interest rate but very different APRs depending on lender fees, discount points, and other financing costs. 🏦⚖️

💡 When comparing mortgage options, don’t just ask, “What’s the rate?”
Ask:

➡️ What’s the APR?
➡️ What are the lender fees?
➡️ What’s the total cost over time?
➡️ Are there any discount points or additional charges? 🔍
🚨 The lowest rate isn’t always the best deal.

Understanding the full picture can help you save thousands over the life of your loan. 💵📈🏠

Thinking about buying in DC, MD, VA, DE, or FL? 🌎🏡

Let’s review your options and make sure you’re comparing apples to apples. 🍎🍎

📲 Ready to get started? Send me a message and let’s build a game plan for your homeownership goals!

06/25/2026

Few Shots from RLM week DCAR YPN National Assoc. of REALTORS® welcome week.

Shout out to Harrison Beacher Raekwon Smith | DMV REALTOR® Julián Shandell Green , our executive board etc for helping us throw a great event.

06/11/2026

Hard pull vs. soft pull… let’s clear this up 👇🏡

A soft credit pull gives us a general idea of where your credit stands today — without impacting your score ✅

A hard credit pull typically happens when you’re ready for a true pre-approval, accurate quote, or official loan review 📄🔍

And here’s the good news: if your score shifts from a hard pull, it’s usually small and temporary — especially compared to the value of knowing exactly what you qualify for 💪🏽🏠

Thinking about buying soon? DM, call, or text me and let’s see where you stand 📲

06/06/2026

5.0 star review received on Experience.com for Myles Williams by Bruce P - Professional, knowledgeable, helpful, great with details and making loan process easier.

Click to see all 31 reviews of Myles Williams -- Atlantic Coast Mortgage, Loan Officer | NMLS ID #1803885

06/02/2026

🚨 Think your credit score is just a random number? Think again! 🚨

If you’re planning to buy a home 🏠, your credit score can have a BIG impact on your mortgage options, interest rate, monthly payment, and even PMI. 💰📊

Your FICO score ranges from 300–850, and it’s made up of several key factors:

✅ Payment History – Pay on time! This is the biggest factor.⏰
✅ Amounts Owed – High balances can hurt your score. 💳
✅ Length of Credit History – Older accounts can help. 📅
✅ New Credit – Too many new accounts can be a red flag. 🚩
✅ Credit Mix – A healthy mix of credit types can work in your favor. 📈

The good news? 🎉 Your credit score is only one piece of the puzzle. Lenders also look at your income 💼, assets 💵, and overall financial picture when determining your mortgage options.

🔑 Thinking about buying a home in the DMV, DE, or FL?

📩 DM me “CREDIT” and let’s create a game plan to help you get mortgage-ready! 🏡✨

👇 Save this for later and share it with someone who’s thinking about buying a home!

06/01/2026

5.0 star review received on Experience.com for Myles Williams by Steven R - Myles was great