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:
Virginia

Team Craig at Atlantic Coast Mortgage

Jolayne Craig's Profile Photo
Jolayne Craig

SVP | Sales Manager,
Sr. Loan Officer
NMLS ID 290277
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Kyrsten Ayres's Profile Photo
Kyrsten Ayres

Loan Officer
NMLS ID 1621888
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Justin Johnson's Profile Photo
Justin Johnson

Loan Officer
NMLS ID 2123802
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What Others Are Saying About Kyrsten

5.0
It was an excellent experience and joy working with Kyrsten while purchasing our forever home. She was a professional and kept us updated along every step of the process. We 10/10 recommend her to others looking to buy a home. Thank you Kyrsten for helping us make our dreams come true!
5.0
Krysten made this home purchasing experience the best we've ever had. Top notch service throughout. We're in the process of moving into our forever home and it wouldn't have been possible without her. She's the best.
5.0
Kyrsten is very thorough and kept me in the loop with everything that was going on. She was always willing and available to answer any questions I had. My situation was a bit complex, but she made sure i was comfortable and provided all the help she could. Thank you SO much.
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Homebuying Essentials

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Kyrsten Ayres

Loan Officer NMLS ID 1621888

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Address 923 Maple Grove Drive, Suite 205
Fredericksburg, VA 22407

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