Top 3 Mortgage Lenders in Sunset Beach

As North Carolina's largest credit union, SECU has an exceptional reputation for mortgage lending throughout coastal NC. With over 80 years serving North Carolina residents, they offer highly competitive rates and personalized service. Their local Southport branch serves the Sunset Beach area extensively, and they're particularly known for their first-time homebuyer programs and low closing costs. Members consistently praise their straightforward process and knowledgeable loan officers who understand the unique coastal property market.

Atlantic Bay Mortgage Group has built an outstanding reputation in Brunswick County with their specialized expertise in coastal properties. With nearly 30 years in business, they're particularly strong with vacation homes, investment properties, and primary residences in beach communities. Their local team understands Sunset Beach's unique market dynamics, including flood zone requirements and coastal construction considerations. Customers consistently highlight their responsive communication, competitive rates, and ability to close loans efficiently even with complex coastal property transactions.

With deep roots in North Carolina spanning over 125 years, First Citizens Bank has extensive experience serving coastal communities like Sunset Beach. Their local Southport branch provides personalized mortgage services with the backing of a strong regional bank. They excel at construction loans and permanent financing for coastal properties, offering specialized programs for second homes and vacation rentals. Long-time Brunswick County residents particularly appreciate their local decision-making authority and understanding of seasonal income considerations common in beach communities.