Jim Podratsky at Atlantic Coast Mortgage

Jim Podratsky at Atlantic Coast Mortgage Jim Podratsky SVP, Branch Manager & Sr. Jim Podratsky | SVP, Branch Manager & Sr. Let’s Make Your Next Move, Your Best Move!

Loan Officer
NMLS 312528

Atlantic Coast Mortgage, LLC
Equal Housing Lender
Company NMLS 643114 (www.nmlsconsumeraccess.org) Loan Officer - NMLS 312528

Your Trusted Mortgage Advisor—Here to Guide You Home. Reliable Mortgage Support from Application to Closing and Beyond
Whether you’re buying your first home, upgrading to your next, securing a vacation home, or financing your forever home, having

the right mortgage loan officer makes all the difference. With over 22.9K 5-star client reviews, ACM is proud to be recognized as a trusted and reliable home loan partner — delivering peace of mind at every step of the homeownership journey. We understand that buying a new home or refinancing the home you love is always a big life event, which is why we focus on delivering tailored lending solutions and mortgage strategies to help you accomplish your homeownership goals. Experienced Mortgage Professionals & Tailored Lending Solutions
Navigating today’s housing market requires a skilled mortgage professional who understands local markets and evolving lending guidelines. We specialize in a wide variety of home financing options, including Conventional, FHA loans, VA loans, USDA loans, Jumbo loans, and mortgage refinancing. Each solution is personalized to help meet your unique financial needs and long-term goals. Our Lender for Life Commitment to Your Long-Term Success
We believe that a closed loan is just the beginning of our journey together. Throughout the life of your loan, we’ll help you monitor your home investment to discover new cost-saving opportunities and help you plan and achieve your future home purchase and refinance goals. Most importantly we’ll provide you with the tools and knowledge you need to leverage and take full advantage of your home investment making it work to your benefit.

One of my favorite things to do is to assist people who are building a custom built home and using our Construction to P...
09/08/2026

One of my favorite things to do is to assist people who are building a custom built home and using our Construction to Permanent Loan at Atlantic Coast Mortgage. Our program is second to none in the industry if you are looking for a 1 time or a 2 time close. So happy to help our clients build their dream home with Kerri Smith and South Run Designs. Kerri and her team build an amazing home and they are such a pleasure to work with. Wait until you see the work they are doing for this project. Thanks to Kyle Carnegie for assisting our clients throughout the process and so happy for everyone, enjoy your dream home! If you are interested in learning about financing your custom build please let me know and I will be happy to introduce you to Kerri and South Run Design. They do amazing work!

What makes a house feel like home to you? The people, the memories, the little things, or something else?
09/08/2026

What makes a house feel like home to you? The people, the memories, the little things, or something else?

Consider this your reminder to relax a little extra this weekend. 😎 Happy Labor Day Weekend!
09/05/2026

Consider this your reminder to relax a little extra this weekend. 😎

Happy Labor Day Weekend!

Such a wonderful purchase helping a family find the house of their dreams! We met this family at an open house and forge...
09/03/2026

Such a wonderful purchase helping a family find the house of their dreams! We met this family at an open house and forged an amazing relationship with them. Steven Joseph was a guide to them helping through all facets of the purchase process and eventually we found this gem of a home. Thanks to everyone involved with the transaction and thanks to Steven for trusting us with your clients. Great work by Centerview Title Group making sure that everything went off as smooth as can be. Starting off the Fall in right way!

Moving day is exciting, but a little planning goes a long way. Keep the essentials close and make settling into your new...
09/03/2026

Moving day is exciting, but a little planning goes a long way. Keep the essentials close and make settling into your new home that much easier.

What an amazing month of August and so many great referral sources and clients! It is going to be an amazing fall season...
09/02/2026

What an amazing month of August and so many great referral sources and clients! It is going to be an amazing fall season. Thanks to everyone and congratulations to all of our buyers. Bring on the fall 🍂

Time to pick your favorites! Which three are you choosing for your next home?
09/01/2026

Time to pick your favorites! Which three are you choosing for your next home?

It is so special when clients return to us for their 2nd and 3rd homes and we are there to help. Congratulations to our ...
09/01/2026

It is so special when clients return to us for their 2nd and 3rd homes and we are there to help. Congratulations to our wonderful clients who out grew their house and decided it was time for bigger and better things🎉 We are so happy to help you with your move up and what a wonderful house it is! Thanks to Kyle Carnegie for trusting us twice with your clients and Potomac Title Group for all that you do behind the scenes to make things go smooth. The summer market has been amazing as we close things out and move to the fall. Myself and my team are here for all of your housing needs. Please call, text or DM if we can assist!

So excited for our wonderful family to find this home after a diligent search. Congratulations to everyone! Closing out ...
08/31/2026

So excited for our wonderful family to find this home after a diligent search. Congratulations to everyone! Closing out the summer market has been amazing, cannot wait for the fall 🍂

So grateful for every client, partner, friend, and referral who trusts and supports me. This business is truly about peo...
08/27/2026

So grateful for every client, partner, friend, and referral who trusts and supports me. This business is truly about people, and it means everything.

Address

14535 John Marshall Highway, Suite 112 & 113
Gainesville, VA
20155

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