We Make Mortgages Simple...
Whether you're buying your first home, upgrading, refinancing, or investing, Coastal Funding compares loan options from over 30 trusted lenders to help you find the mortgage that fits your goals—not just what's available from one bank. From Conventional, FHA, VA, USDA, Jumbo, and Non-QM loans to investment property financing, we're here to make the process simple, fast, and personalized.
20+
Years in Business
5000+
Loans Closed
3
States Licensed
5★
Client Rating
Loan Programs
Finding the Right Loan for You
Conventional
Down payments between 3–5% are required. Mortgage Insurance is required with less than 20% down. Rates are typically higher than FHA.
Learn MoreFHA
A 3.5% down payment is often associated with an FHA loan — especially beneficial for first-time homebuyers looking for affordable Pensacola mortgage solutions.
Learn MoreUSDA
With 100% financing options available, USDA may be an excellent option for more rural Pensacola properties.
Learn MoreVA
VA Mortgage loans are dedicated to Military Service Members. With up to 100% Financing and No Mortgage Insurance, VA loans are an excellent option. Call us today to check eligibility.
Learn MoreInvestment Property/DSCR
Qualify on the property's rental income — not your personal income. DSCR loans are purpose-built for real estate investors who want to grow their portfolio without W-2s, tax returns, or personal income documentation.
Learn MoreAlternative Income Verification
Being self-employed can present unique challenges. We have options: 12 Bank Statements, 1099 Only, Asset Depletion, CPA Letters.
Learn MoreNew Offering
Now Offering Fast & Simple Home Equity Lines of Credit
Our Community
Our commitment to our community
At Coastal Funding, we're more than a mortgage company—we're your neighbors. Proudly serving Pensacola and communities across the Gulf Coast, we've helped individuals, families, veterans, and real estate investors achieve their homeownership goals with personalized guidance and mortgage solutions tailored to their needs.
Our deep knowledge of the local market, combined with access to over 30 trusted lenders, allows us to match each client with financing that fits their unique situation. Whether you're purchasing your first home, refinancing, investing in real estate, or relocating to the Gulf Coast, we're committed to making the mortgage process simple, transparent, and stress-free.
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Pensacola AREA REAL ESTATE NEWS:
Client Reviews
What Our Clients Are Saying
Rated 5 stars by homebuyers across Pensacola and the Gulf Coast
"Coastal Funding made buying our first home an absolute breeze. They walked us through every step and got us a rate we couldn't believe. Couldn't recommend them more!"
Sarah M.
Pensacola, FL
"We refinanced with CFC and saved over $400 a month. The process was fast, transparent, and the team was incredibly responsive. Five stars all the way."
James & Tina R.
Gulf Breeze, FL
"As a veteran, I was nervous about the VA loan process. The team at Coastal Funding knew exactly what to do and got us closed in under 30 days. Outstanding service."
Marcus D.
Navarre, FL
"I've worked with other lenders before, but none compare to CFC. They found us a conventional loan with a great rate and kept us informed every single day."
Brittany H.
Pensacola Beach, FL
"We were skeptical after being turned down elsewhere, but Coastal Funding found a solution that worked for our situation. We're now in our dream home!"
Robert & Linda K.
Milton, FL
"The USDA loan program was something I'd never heard of until CFC explained it. Zero down and a beautiful home in a rural area — I'm still pinching myself."
Danielle F.
Pace, FL
"Professional, knowledgeable, and genuinely caring. They treated us like family, not just another transaction. The closing went perfectly."
Anthony S.
Pensacola, FL
"CFC handled our investment property purchase with expertise I haven't seen elsewhere. The DSCR loan was the perfect fit and they explained everything clearly."
Michelle T.
Fort Walton Beach, FL
"We've now used Coastal Funding twice — once to buy and once to refinance. Both times were seamless. They're our lender for life."
Kevin & Amy B.
Pensacola, FL
"The FHA loan process was explained so clearly that I never felt lost or confused. My loan officer was patient with all my questions. Truly exceptional service."
Latoya W.
Cantonment, FL
"I was relocating from out of state and needed a lender who could move quickly. CFC delivered — we closed on time and the communication was top-notch throughout."
Greg P.
Pensacola, FL
"After 20 years of renting, we finally own our home thanks to Coastal Funding. They found us a program we qualified for and made the dream a reality."
Carla & Steve N.
Navarre, FL
"The team went above and beyond to get our loan approved. Even when we hit a snag, they found a creative solution. I trust them completely."
Derek O.
Gulf Breeze, FL
"Refinancing with CFC was the best financial decision I've made in years. The savings are real and the process took less time than I expected."
Heather J.
Pensacola, FL
"We had a complicated financial situation and were worried no one would help us. Coastal Funding found a non-QM solution that worked perfectly for our needs."
Thomas & Maria G.
Pensacola, FL
"From the first call to the closing table, everything was handled with professionalism and care. I felt like I was their only client. Highly recommend!"
Jasmine C.
Pensacola Beach, FL
"CFC helped us tap into our home equity to renovate our kitchen and bathrooms. The HELOC process was smooth and the rate was very competitive."
Paul & Donna M.
Milton, FL
"As a self-employed borrower, I was worried about qualifying. The team at Coastal Funding knew exactly which programs fit my situation. Closed without a hitch."
Brandon L.
Pensacola, FL
"We compared several lenders and CFC came out on top — better rate, better service, and they actually answered the phone every time we called. Incredible team."
Nicole & Chris A.
Pace, FL
"Coastal Funding has been serving this community for years and it shows. The experience, the local knowledge, and the personal touch made all the difference for us."
Raymond V.
Pensacola, FL
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Your Pensacola Home Awaits
Fast pre-approvals, after-hours service, and local expertise — from first-time buyers to seasoned investors.