Kim Nacchia - Mortgage Lender

06/02/2026

5.0 star review received on Experience.com for Kim Nacchia by Sharon B - Kim your a great loan consultant. Knowledgeable, hardworking and cares about the client's. I am looking forward to many more transactions together. Thank you!

Click to see all 128 reviews of Kim Nacchia, Loan Consultant | NMLS # 2118901

05/29/2026

Not all mortgage wins.... are about the rate.

💰Borrower paid zero out-of-pocket closing costs
💰EMD was fully refunded
💰$1,000 cash credit was paid to borrower at closing

This first-time homebuyer walked away from the closing table with almost $2,000 in hand and a beautiful new home. His dream come true.

Every loan deserves a calculated approach.....not a one-size-fits-all solution.

Let’s position you for the strongest possible outcome.

Kim Nacchia- Mortgage Broker, helping clients navigate the mortgage process with strategy. FL. GA. TN, and AL.

850.218.4616 | [email protected] | LendingTheCoast.com

05/26/2026

📸 Picture this:
You own multiple investment properties
🔥 Strong cash flow
🔥 760 FICO
🔥 Two-year landlord track record
You have a $3.2M acquisition under contract and 30-day close. To pull it off, you need to cash out of two existing properties to fund the rest.
Standard DSCR caps you out. TRID timing kills the close.

This is exactly why this product was built for you.

🔥 No TRID. No ATR. No waiting periods
🔥 Unlimited cash out - to deploy your equity
🔥 1.25 DSCR on long-term rent; 1.35 on short-term
🔥 30-Year Fixed and 30-Year Interest Only option
🔥 740 FICO & 2-year landlord history

Built for the seasoned investor. Up to $4.5M, qualified on rents - not tax returns, not DTI.

Kim Nacchia- Mortgage Broker, navigating with strategy and precision.

850.218.4616 | [email protected] | LendingTheCoast.com

05/24/2026

With deepest gratitude today and always. ❣

05/15/2026

When a couple separates and one person wants to keep the house.

🏚️ The person staying may need to buyout the other,

That money can come from refinancing the mortgage.

❓ What makes a spousal buyout different?

With a typical refinance, you may only be able to access up to 80% of the home’s value.

With a spousal buyout, certain situations may allow the mortgage to be refinanced up to 95% of the home’s value.

‼️ That extra room can help make a buyout possible without forcing a sale.

This is not something you want to figure out alone, especially when legal agreements, equity, income, and mortgage qualification all have to line up.

Save this for later or share it with someone who needs to see this ❣️

— Helping clients navigate the mortgage process with clarity and strategy. FL. GA. TN, and AL.

05/05/2026

Don't build your home or investment buying plan around half-truths.

Waiting for the rates to drop-
💲 Won't lower your monthly payment if you had to pay more
💲 Won't bring better negotiating opportunites due to competition
💲 Won't guarantee you can buy more, because prices will increase

You can always refi a rate. You can never renegotiate the price you paid for your property.

⚡ A little strategy can save you from surprises and keep money in your pocket.

Save this if purchasing is on your radar.

I’m Kim Nacchia- Mortgage Broker, helping clients navigate the mortgage process with clarity and strategy.

05/02/2026

✨ OPEN HOUSE ON 30A ✨ Sunday | 11AM–2PM
Whether searching for a primary residence, elegant second home, or income-producing investment, this beautiful coastal retreat delivers on every level! Lender on-site to discuss financing strategies.

✨VA, Conventional, Jumbo, 5/6 ARM, Interest Only, Investment/DSCR

04/30/2026

5.0 star review received on Experience.com for Kim Nacchia by Christine T - The entire process was smooth and seamless. Kim kept us informed throughout the process. She was wonderful to work with!

Click to see all 127 reviews of Kim Nacchia, Loan Consultant | NMLS # 2118901

04/29/2026

With the high likelihood of refinancing a current fixed-rate in the next few years, VA and FHA 5/1 ARMs are making $ense.

Delivering tailored $trategies when interest rates are high:

💰Can save you tens of thousands of dollars
💰Lowers your monthly payment
💰 Expands your buying power
💰 Preserves your liquidity for other investments

If a bank or lender bad mouth the 5/1 ARM in todays' market, its because they don't offer it.

Let's talk! ☎️
850.218.4616 | [email protected] | LendingTheCoast.com

04/29/2026

5.0 star review received on Experience.com for Kim Nacchia by Adrian T - Thanks Kim for making the transaction smooth.

Click to see all 126 reviews of Kim Nacchia, Loan Consultant | NMLS # 2118901