Transparency, Strategy, and Zero Surprises
Committed to finding the right mortgage solution for every client — with education, transparency, and a process designed to leave every borrower feeling confident at the closing table.
A Mortgage Professional Who Puts Your Goals First
David Zambelas is a Senior Loan Officer with Stone Mortgage at Atlantic Coast Mortgage in Greenville, SC — known for his strategic approach, transparent communication, and the ability to navigate complex mortgage scenarios with clarity.
Dave works with a wide range of clients across the Greenville metro and multiple states — from first-time buyers to experienced investors. He takes time to understand each client's full financial picture before recommending a path forward, ensuring that every recommendation is genuinely in the client's best interest.
If you want a loan officer who will be honest about your options, run the numbers thoroughly, and stay focused on what is best for your long-term goals — Dave is the right person to work with.
Greenville, SC Office — 314 W. Stone Ave.
Serving Greenville, Spartanburg, and clients across South Carolina and neighboring states.
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 — Dave'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. Dave guides every buyer from first conversation to clear to close.
Mortgage Refinancing
Lower your rate, reduce your payment, access equity, or restructure your loan. Dave runs the numbers so the decision is yours to make confidently.
First-Time Buyers
An education-first approach built to simplify the process. Dave 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. Dave 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 Dave will get back to you quickly. No pressure, just a real conversation.