Veteran Loan Officers Michael Caputo and Adam Hart Launch First Coast Mortgage in Savannah
Firm offers an easy mortgage experience utilizing the personal touch of local lenders, speed in loan processing and prioritization of client education. 

(SAVANNAH, Ga.) First Coast Mortgage, a residential mortgage company, has launched in Savannah under the leadership of co-founders and mortgage advisors Michael Caputo and Adam Hart.


The pair will concentrate on using technology to educate customers while also reducing the red tape and time from loan application to funding. They cite changes in capital markets and technology as their motivation for the new endeavor.

Caputo and Hart possess over 48 years of combined banking experience and boast that First Coast Mortgage will prioritize client relationships, online accessibility, speed and promoting home buying education. The First Coast Mortgage application process will provide access to dozens of loan programs with the goal of a faster turnaround time.

“In the current environment, time is of the essence for mortgage lenders and their customers,” said Hart. “A lender facing a competing cash buyer must move quickly to put their buyer in a strong position. With low overhead costs and more investors to choose from, we will be able to offer our clients more options that suit their specific needs.”

A dedicated local operations team will help buyers worry less with a personal, proactive approach and attention to every detail.

“As a lifelong Savannah resident, I’m excited to serve the community in this capacity. Buying a home is the foundation of the ‘American Dream’ and often the most important financial transaction a person will experience. At First Coast Mortgage, we’re making it faster and easier, and raising consumer confidence levels through education,” said Caputo. “We are here to simplify the mortgage process and help our clients love where they live.”

Caputo, a Benedictine Military School and University of Georgia graduate, has been a Senior Loan Officer and Market Production Manager for Countrywide Home Loans, Bank of America, WR Starkey Mortgage and BankSouth Mortgage. Hart, an alumnus of Maryville College, has held the titles of Branch Manager, Vice President of Sales, and Vice President for Market Production at DHI Mortgage, Wells Fargo, United Community Bank, Certainty Home Loans and BankSouth Mortgage.

With 48 years of combined experience, Michael Caputo and Adam Hart founded First Coast Mortgage in 2022. Their goal is to make the mortgage experience faster, smarter, and less expensive while maintaining the customer service and relationships of a small firm while providing access to thousands of lenders. Relying on technology to educate their clients in addition to simplifying and accelerating the application process, First Coast Mortgage aims to be the most customer-centric Savannah mortgage broker with a reputation built on service. Being from Savannah, both Caputo and Hart assert that the loan process is personal and treat customers with the same consideration they would give their family and friends. The First Coast Mortgage office is located at 532 Stephenson Ave., Suite 101, Savannah, GA 31405. For more information, call 912-224-7076 or visit

Cynthia Cradduck
Cecilia Russo Marketing