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, District of Columbia, Florida, Maryland, North Carolina, South Carolina, Virginia, West Virginia
Awards & Achievements
  • President's Club, Atlantic Coast Mortgage (2024)

The Podratsky Team

Jim Podratsky's Profile Photo
Jim Podratsky

SVP, Branch Manager
& Sr. Loan Officer
NMLS ID 312528
Get Started

Corine Ali's Profile Photo
Corine Ali

Team Production Manager
NMLS ID 2344562

Linsay Sene's Profile Photo
Linsay Sene

Team Production Manager
NMLS ID 1928021

Nicole Greco's Profile Photo
Nicole Greco

Business Development Manager

Amanda Pearson's Profile Photo
Amanda Pearson

Business Development Assistant

What Others Are Saying About Jim

5.0
Jim and his team were very communicative and helpful throughout the process!
5.0
Quick consicise and informative communication day & evening (probably nighttime as well but we didnt call or text at night). Great all around service from Jim and Corine!
5.0
Great ........
View More of My Reviews

Homebuying Essentials

  • Proud Sponsor Of:
  • Children's National Hospital Logo
  • Children's Hospital of the King's Daughters (CHKD) Logo
Jim Podratsky's Profile Image

Jim Podratsky

SVP, Branch Manager
& Sr. Loan Officer
NMLS ID 312528

Call Jim Directly

Address 14535 John Marshall Hwy, Suite 112 & 113
Gainesville, VA 20155

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