Kyrsten Ayres at Atlantic Coast Mortgage

10/15/2026

Do you currently need cash to pay down debt or make improvements to your home, but don't want to touch your low interest rate on your current mortgage?

Reach out to me, and I'd love to take a look and see if a second trust would be a better option for you!

10/06/2026

Looking for a home? Here's the quick math buyers need to see 👇🏼🧐
Seller offers you a choice: $15,000 off the price, or $15,000 toward a 2-1 buydown....📊
The price cut saves you roughly $100/month. For 30 years. Sounds nice.
The buydown drops your payment by roughly $500/month in year one and ~$250/month in year two right when moving costs, furniture, and real life are hitting hardest. That's about $9,500 back in your pocket in the first 24 months. 👀
The break-even? Around 7½ years. And since most buyers refinance or move before then a refi wipes out the price cut's long tail, while the buydown savings are already banked the buydown wins in the real world almost every time.
Same $15,000. Very different outcome. ✅
This is why "what's your rate?" is the wrong first question. The right one is "how do we structure this?" and that's exactly what I do. 📲

10/01/2026

Realtors! We would love for you to join us for fun and to learn about the new appraisal updates. Please RSVP to me if you would like to come.

08/11/2026

5.0 star review received on Experience.com for Kyrsten Ayres by Cecil H - She was on top of everything. was available whenever I had questions or concerns !

Click to see all 9 reviews of Kyrsten Ayres, Loan Officer | NMLS ID #1621888

07/10/2026

Have I mentioned that I recently got licensed in West Virginia? I’d love to help take you home!

07/01/2026

We found out about additional SPARC fund availability and were able to help 4 families in the month of June get a 1% interest rate reduction, for a combined monthly savings of $1,277.62. In addition to this, they also received a combined $45,350 in down payment assistance grants! We closed two of them within 2 weeks so that they could get the interest rate reduction before the funds expired.

Our team will always put in the work for our clients and make sure they are getting any assistance available to them, no matter what extra steps we have to go through. When picking a lender, work ethic matters! Choose a team that’s going to go to battle for you. 💪🏻

NMLS ID 1621888

05/01/2026

5.0 star review received on Experience.com for Kyrsten Ayres by James E - Very professional and knowledgeable about the programs being

Click to see all 8 reviews of Kyrsten Ayres, Loan Officer | NMLS ID #1621888

12/10/2025

Merry Christmas to this homebuyer! Can’t wait to see this new grant help impact even more lives! ❤️

10/21/2025

5.0 star review received on Experience.com for Kyrsten Ayres by Jessica R - Kyrsten and her team are knowledgable, responsive and explain the entire mortgage process thoroughly. I wouldn't trust anyone else!

Click to see all 7 reviews of Kyrsten Ayres, Loan Officer | Team Production Manager | NMLS ID #1621888

05/16/2025