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.

Sometimes the right home is in the right neighborhood, but the kitchen, bathrooms, or layout need a little vision.Instea...
06/09/2026

Sometimes the right home is in the right neighborhood, but the kitchen, bathrooms, or layout need a little vision.

Instead of passing on a home with potential, it may be worth looking into financing options that allow you to make improvements over time. The right strategy can help you think beyond what the home looks like today and focus on what it could become.

Proud moment for ACM!Atlantic Coast Mortgage has been recognized as a Top 55 Overall Lender by Scotsman Guide for 2026.T...
06/05/2026

Proud moment for ACM!

Atlantic Coast Mortgage has been recognized as a Top 55 Overall Lender by Scotsman Guide for 2026.

This achievement speaks to the incredible people behind the scenes — our loan officers, operations teams, leadership, partners, and everyone working hard to create a better mortgage experience every day.

We are grateful for the clients and referral partners who continue to trust us, and excited to keep building on this momentum.

Onward and upward!

Whether you’re buying your first home, moving up, or refinancing, a clear mortgage plan can help you move forward with m...
06/02/2026

Whether you’re buying your first home, moving up, or refinancing, a clear mortgage plan can help you move forward with more confidence.

It’s not just about getting approved. It’s about understanding your options and choosing the path that fits your goals.

A smooth experience from start to finish is always the goal.Grateful for the kind words from Valerie and thankful for th...
05/29/2026

A smooth experience from start to finish is always the goal.

Grateful for the kind words from Valerie and thankful for the trust throughout the process. My team and I are always here to make your mortgage journey as seamless as possible.

There is nothing better in our business than meeting great people and helping them find their dream homes. We are so hap...
05/26/2026

There is nothing better in our business than meeting great people and helping them find their dream homes. We are so happy for Valerie, congratulations on your amazing home and welcome to Northern Virginia🎉 It was a pleasure assisting you with your purchase. Purchases are always this smooth with great agents, thank you Andrew for introducing us to Valerie and trusting us with your buyers purchase needs. As always it was the best working with Centerview Title Group. If you are someone you know is looking to purchase a home please reach out to us at ACM Haymarket, we are here to bring you home!

Today we honor the men and women who gave everything so we could live freely. Their sacrifice will never be forgotten, a...
05/25/2026

Today we honor the men and women who gave everything so we could live freely.

Their sacrifice will never be forgotten, and their legacy lives on in the country and communities they helped protect.

Proud to be part of the Haymarket branch and help local buyers take the next step toward homeownership. Whether you’re j...
05/22/2026

Proud to be part of the Haymarket branch and help local buyers take the next step toward homeownership.

Whether you’re just starting to look or ready to make a move, the Haymarket ACM team is here to help.

If you're planning to sell and buy your next place simultaneously, timing your financing is everything.I can help you na...
05/19/2026

If you're planning to sell and buy your next place simultaneously, timing your financing is everything.

I can help you navigate a seamless transition, so reach out today to go over your options.

Helping clients feel confident every step of the way is what we’re all about. Thank you for trusting Atlantic Coast Mort...
05/15/2026

Helping clients feel confident every step of the way is what we’re all about.

Thank you for trusting Atlantic Coast Mortgage with your home financing journey!

Whether you’re buying your first home, refinancing, or planning your next move, our team is here to make the process smooth and stress-free.

Every client deserves clear communication, fast responses, and a lender who genuinely cares.I’m grateful for the trust m...
05/13/2026

Every client deserves clear communication, fast responses, and a lender who genuinely cares.

I’m grateful for the trust my clients place in me and proud to deliver an experience that makes the home financing journey smoother and less stressful.

Address

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

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