Pensacola, Florida
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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Your Pensacola Home Awaits
Fast pre-approvals, after-hours service, and local expertise — from first-time buyers to seasoned investors.