Your Homeownership Journey Starts Here

Welcome to Atlantic Financial Services — Your Trusted Mortgage Experts

At Atlantic Financial Services, everyone deserves to own a home and build a future filled with lasting memories. Whether you are buying your first home, upgrading to your dream home, refinancing, or consolidating debt, our experienced mortgage professionals are here to help.

 

✅ Competitive Nationwide Rates
✅ Fast, Simple Loan Process
✅ Personalized Guidance Every Step of the Way

 

Let us make your mortgage experience smooth, straightforward, and stress-free.

Get started today and take the first step toward homeownership.

Let us help you get your home today.

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Years Experience

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Loans Closed

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Rated mortgage company in Carteret
A happy family poses for a group photo

Low Rates. Zero Hassles.

The Atlantic Financial Services Team

Start your home loan process here!

The Atlantic Financial Services team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.

Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of loan officers here can help you find the right loan program at the lowest rate no matter what your needs are.

A portrait photo of Jill Quinn

Loan Options

We Offer Many Different Loan Programs To Meet Your Needs.

FHA Loans

FHA loans are a popular choice among first time homebuyers given their low down payment requirements and ease of qualification.

Home Refinance Loans

Learn more about how refinancing your mortgage can help you save money over the life of your loan by lowering your interest rate or reducing loan terms.

VA Loans

Veterans, active military, and their families can take advantage of a VA loan to purchase a home with no money down, great interest rates, and no private mortgage insurance.

Jumbo Home Loans

Jumbo loans can be the perfect option if you are looking for a home loan that exceeds the limits placed on government backed options such as FHA loans.

Home Purchase Loans

Whether you are interested in a Conventional Loan, FHA Loan, VA loan or other financing option, our team of experts will help you find the solution that works best.

Conventional Loans

Great rates and buyer flexibility make conventional loans the most popular mortgages on the market today. Plus, we'll get you the best rate available.

What our clients are saying

  • Jodi and the team at Atlantic provided incredible customer service throughout my application experience. My situation was atypical and Jodi not only found and got me approved by a lender... read more

    John Chan Avatar John Chan
    April 24, 2026

    Jodi Siegal was amazing throughout the process. Full disclosure, I was not surprised because as a Licensed Realtor with 30+ years of experience, I always refer Jodi to my clients... read more

    Jonathan Gruebel Avatar Jonathan Gruebel
    April 24, 2026

    Jodi was very helpful in explaining the entire process and making it simple and easy for us. I highly recommend her!

    Conner Vill Avatar Conner Vill
    April 11, 2026

    I worked with Jodi for over three years to find a home. Throughout the entire time she was always available via phone no matter the day of the week or... read more

    Thomas O Avatar Thomas O
    April 10, 2026
  • Cathy is the best! She proactively reached out to me to refinance and advised me to lock my rate which was great advice.

    Nick Greenough Avatar Nick Greenough
    March 26, 2026

    Most knowledgeable best customer service I have experienced in a Mortgage process. Jill is second to none!!!

    Mike ZZ Avatar Mike ZZ
    February 14, 2026

    Jodi with Atlantic was extremely helpful through the entire loan process. She made things easy to understand always made herself available.

    Jason Flach Avatar Jason Flach
    January 30, 2026

    Very pleased with you. Thank you for the excellent service.

    K. Gathers Avatar K. Gathers
    January 29, 2026
  • Craig Hatton made our refinance process easy and stress-free. He was knowledgeable, responsive, and kept us informed every step of the way. He truly cares about his clients and always... read more

    Cheryl Mccarthy Avatar Cheryl Mccarthy
    January 17, 2026

    Craig was excellent, I would recommend him to everyone! Great service and attention to detail!

    Karl Brenner Avatar Karl Brenner
    December 22, 2025

    Cathy, was such an amazing advisor, she explained all the options and ready to answer all our questions, she was always very kind and diligent. Appreciate all her support throughout... read more

    Sara Vergara Avatar Sara Vergara
    December 17, 2025

    Jodi responded promptly and addressed all my questions efficiently. She worked hard to secure the best possible rate and was both professional and patient throughout the process.

    Jenny Kang Avatar Jenny Kang
    October 26, 2025
  • So pleased with Jodi, she was the best!

    April Hayes Avatar April Hayes
    September 5, 2025

    Craig is the lender you want in your corner! From day one, he handled my condo purchase with skill, speed, and a calm confidence that put me at ease. We hit... read more

    Brandon Schaefer Avatar Brandon Schaefer
    August 12, 2025

    Jodi is extremely wonderful to work with ! My spouse and I just completed a Re-Fi with her and her team . Jodi makes the process easy to understand and... read more

    Sheryl Press Avatar Sheryl Press
    July 7, 2025

    Craig was most helpful during our transition from Florida to our new home in South Carolina. He answered every question promptly and made a number of money saving suggestions. Great... read more

    Mickey Coffey Avatar Mickey Coffey
    May 11, 2025
  • Craig Hatton did a great job securing me a mortgage, answering questions, and coaching me through my first home purchase. Highly recommend!

    Patrick Carey Avatar Patrick Carey
    May 6, 2025

    It was such a pleasure working with Atlantic Financial Services to obtain a mortgage for our new home. Jodi was so easy to work with. She thoroughly explained everything and was... read more

    Diane Palace Avatar Diane Palace
    May 2, 2025

    Not sure how much space on here I have to write, but I cannot say enough good things about Jill Quinn of Atlantic Financial Services. Jill was recommended to us... read more

    Liam O'Leary Avatar Liam O'Leary
    April 22, 2025

    Craig performed a little creative financing for us that we did not think possible and did a wonderful job!

    Kenneth Chafey Avatar Kenneth Chafey
    April 21, 2025
  • first and foremost I’d like to thank Jill for the opportunity to work w her. buying a home should be easier the second time but it definitely was challenging. I’m... read more

    Elfred Fernandez Avatar Elfred Fernandez
    April 4, 2025

    We had the pleasure of working with Jill from Atlantic Financial Services during our home-buying process, and we can’t say enough about how amazing she was! From the very beginning,... read more

    Manny & Jess Shafik Avatar Manny & Jess Shafik
    March 23, 2025

    I worked with Jodi Siegel and Cathy Maloney in processing my mortgage. They are both excellent folks to work with and felt like they had my back. Great experience and... read more

    Satish Jayaprakash Avatar Satish Jayaprakash
    March 15, 2025

    I had the absolute pleasure of working with Linda and her team. At the beginning of my homebuying process, I faced a few obstacles. Linda gave me very direct and... read more

    Christina Bobbitt Avatar Christina Bobbitt
    March 10, 2025
  • I had the absolute pleasure of working with Linda and her team. At the beginning of my homebuying process, I faced a few obstacles. Linda gave me very direct and... read more

    Christina Bobbitt Avatar Christina Bobbitt
    March 10, 2025

    Craig Hatton did a great job securing a mortgage for us! We are very satisfied with the product he found for us and with the services he provided. Craig... read more

    Donna Depazzo Avatar Donna Depazzo
    February 27, 2025

    Craig Hatton did a great job securing a mortgage for us! We are very satisfied with the product he found for us and with the services he provided. Craig... read more

    Donna Depazzo Avatar Donna Depazzo
    February 24, 2025

    Jodi recently assisted us with our mortgage, and she truly exceeded our expectations. Her professionalism and expertise made the home buying process seamless and enjoyable. We can’t recommend Atlantic Financial... read more

    Alan Jenkins Avatar Alan Jenkins
    October 13, 2024
  • I had the chance to work with Linda and I must say she made my first home purchase as stress free as possible!

    Kevin Argueta Avatar Kevin Argueta
    October 13, 2024

    Craig was so patient and answered all of our crazy questions. No one is better. We would recommend Craig to anyone and everyone

    Jamie Newell Avatar Jamie Newell
    October 13, 2024

    Craig was so patient and answered all of our crazy questions. No one is better. We would recommend Craig to anyone and everyone

    Jamie Newell Avatar Jamie Newell
    October 6, 2024

    Jodi recently assisted us with our mortgage, and she truly exceeded our expectations. Her professionalism and expertise made the home buying process seamless and enjoyable. We can’t recommend Atlantic Financial... read more

    Alan Jenkins Avatar Alan Jenkins
    October 3, 2024