The Upstate Mortgage Guy
Helping buyers and homeowners across Upstate SC make smart mortgage decisions — with expertise, integrity, and a long-term focus on your financial goals.
Upstate South Carolina's Trusted Mortgage Professional
Kevin Dobbins is a Senior Loan Officer with Stone Mortgage at Atlantic Coast Mortgage in Greenville, SC — and a well-known presence in the Upstate SC real estate community. Known as the "Upstate Mortgage Guy," Kevin has built his business on local expertise, trusted relationships, and a genuine focus on long-term client outcomes.
Kevin works with buyers, homeowners, and investors across Greenville, Spartanburg, Anderson, and the broader Upstate SC market. His clients appreciate his knowledge of the local market, his ability to explain complex mortgage concepts in plain language, and his commitment to finding the right financing solution for every situation.
Whether you are buying your first home or your tenth investment property — Kevin brings the same level of care, expertise, and dedication to every client he serves.
Greenville, SC Office — 314 W. Stone Ave.
Serving Greenville, Spartanburg, Anderson, and all of Upstate South Carolina and beyond.
Stone Mortgage — Local Lending with Confidence
314 W. Stone Ave., Greenville, SC 29609. Part of the Atlantic Coast Mortgage family — NMLS #643114.
The Right Loan for Every Situation
Whether you are ready to apply today or just want to understand your options — Kevin's approach is designed to give you clarity and strategy from the very first conversation.
Home Purchase Loans
Pre-approval through closing with expert guidance and clean communication. Kevin guides every buyer from first conversation to clear to close.
Mortgage Refinancing
Lower your rate, reduce your payment, access equity, or restructure your loan. Kevin runs the numbers so the decision is yours to make confidently.
First-Time Buyers
An education-first approach built to simplify the process. Kevin is known for making first-time buyers feel like pros by closing day.
VA Loans
Helping veterans and active military navigate VA financing with the clarity and speed they deserve — every benefit of the VA loan, fully utilized.
Investment & DSCR Loans
Financing strategies for investors who want strong communication and dependable execution from contract to close — every time.
FHA & USDA Loans
Low and zero down payment options for buyers across a wide range of situations. Kevin will identify the path that makes the most sense for your goals.
Quick Tools to Help You Plan
These calculators are built to help buyers and homeowners understand the full picture — not just principal and interest.
Total Payment Estimator
Estimate your full monthly payment including taxes, insurance, and PMI.
Refinance Break-Even
See how long it takes for monthly savings to offset refinance closing costs.
Buy vs. Wait Analyzer
Compare buying now vs. waiting — see what appreciation and rent mean for your decision.
Closing Cost Estimator
A quick 2–4% baseline estimate to help you plan before receiving a Loan Estimate.
Ready to Talk Through Your Next Move?
Whether you are buying, refinancing, or just want to understand your options — reach out and Kevin will get back to you quickly. No pressure, just a real conversation.