Amy Lodes at Atlantic Coast Mortgage

06/10/2026

Let’s talk down payment myths.

You do not always need 20% down to buy a home.

There are loan programs that allow qualified buyers to purchase with much less down, and some options may even help with down payment assistance.

The right strategy depends on your goals, budget, and timeline.

Send me a DM and let’s figure out what makes sense for you.

06/10/2026

5.0 star review received on Experience.com for Amy Lodes by Brianna R - Amy was fanastiac to work with. She provided great insight and information and was available to answer all our questions.

Click to see all 29 reviews of Amy Lodes, Sr. Loan Officer | NMLS ID #609901

06/05/2026

Homeownership may feel out of reach, but there are more options than many buyers realize.

Low down payment programs, flexible loan options, and the right guidance can make a big difference.

A quick conversation is often the best place to start.

06/02/2026

We’re proud to be recognized by Scotsman Guide as a 2026 Top 55 Overall Mortgage Lender. 🏆

Behind every ranking like this is a team of people doing meaningful work. Helping people navigate homeownership takes expertise, collaboration, and a whole lot of coordination. This recognition reflects the people across ACM who make that happen every day, from the first conversation to the final closing table.

👏To our team: thank you for showing up, delivering results, and helping more clients move forward with confidence.

05/28/2026

According to NAR, today’s homebuyer looks a little different across every generation.

Whether you’re buying your first home, your next home, or planning for the future, having the right guidance matters.

05/26/2026

Thinking about your next move? 🏡

Whether you’re dreaming about buying your first home, moving into something new, or just want to see what options are out there, I’m here to help you understand what’s possible.

Let’s talk through your mortgage options and find a plan that fits your goals.

05/22/2026

When you're figuring out how much home fits your budget, it helps to look past just the purchase price. Your monthly mortgage payment is typically broken down into four core parts.

Here is exactly what goes into it:

✅ Principal: The actual loan balance you are paying back.

✅ Interest: The cost of borrowing the money from the lender.

✅ Taxes: Your local property taxes, usually held in an escrow account and paid yearly on your behalf.

✅ Insurance: This includes homeowners' insurance to protect your property (and private mortgage insurance, or PMI, if your down payment is under 20%).

Knowing how these four pieces fit together gives you a much clearer picture of your true monthly housing costs.

Want to run the numbers for your specific budget? Send me a message.

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.

05/14/2026

Positive signs for buyers and sellers!

More people are stepping back into the mortgage process, which means confidence is building and opportunities are opening up in the market.

Whether you’re thinking about buying, selling, or just want to understand your options, now is a great time to start the conversation.

05/12/2026

A home is possible. 💙

Whether you’re buying your first home or your next home, I’m here to help make the mortgage process simple and personalized every step of the way.

Let’s talk about your home goals!