Your Trusted Mortgage Advisor—Here to Guide You Home.

Let’s Make Your Next Move, Your Best Move!

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.

Why Clients Choose ACM:

  • Simple, easy, streamlined loan process
  • Experienced knowledge, guidance, and reliable support
  • Transparent and easy-to-understand information
  • Clear and fast communication
  • Exceptional 5-star client experience
Licensed in:
Delaware, Maryland, Pennsylvania

Doing business in Pennsylvania under the trade name ACM, LLC of PA

R & D Team at Atlantic Coast Mortgage

Dinah Riordan's Profile Photo
Dinah Riordan

Branch Manager & Sr. Loan Officer
NMLS ID 334154
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Kristin Deems's Profile Photo
Kristin Deems

Loan Officer
NMLS ID 1959533
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What Others Are Saying About Kristin

5.0
Kristin was amazing. She made me feel comfortable enough to ask what felt like a thousand questions. She was so transparent throughout the process, and stayed on top of the seller with getting work done on the house. I am now a first time home owner and I have Kristin to thank for a lot of that.
5.0
Kristin was so responsive, answering my many questions all along the way. We had credit card debts to pay off; she found an excellent solution to that problem. She sometimes responded late at night or on weekends I told her she works too hard. She is a real professional!
5.0
Kristin was helpful, encouraging, highly responsive, and overall made this complicated process as easy as I think it could be. She was wonderful to work with.
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Homebuying Essentials

Kristin Deems's Profile Image

Kristin Deems

Loan Officer NMLS ID 1959533

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Address 6602 Church Hill Road, Suite 250
Chestertown, MD 21620

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