Joani Jacob
Mortgage Loan Originator | NMLS# 89277
Gulf Coast Bank and Trust Company has been serving our community and our clients since 1990. We have a team of dedicated mortgage professionals who will guide you through the home loan process and help you achieve the dream of homeownershi...... Show More
Location & Business Hours
Business Hours
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
This is our third time using Joani and she is always fantastic. Very knowledgeable, so helpful with any questions and is fast to respond. I would recommend her to everyone I know and I would never consider using anyone else!
Reply from Joani Jacob
May 22nd, 2026 08:11 PM
I have actually had the honor of working with you guys 4 times. 3 purchases and we were able to refinance you into a super low rate several years ago - so - I have had the incredible good favor to work with the Kristel and Joseph duo on FOUR...
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As a first time homebuyer, I had many questions and concerns going through the process. All of those questions and concerns were answered promptly and kindly. NEVER once did my wife or I feel brushed off or talked down to. We were met where...
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Reply from Joani Jacob
May 22nd, 2026 08:01 PM
Cecilia - I need to check this review site more often!! Thank you so very much for your fabulous review. I am definitely grateful!! MANY Blessings to you and Christien in your new home!
mrs Joani was a phenomenal loan Agent to work this. She responded day or night and always walked me through every step of the way. I couldn't have gotten through this without her!!
Reply from Joani Jacob
May 22nd, 2026 08:00 PM
Caitlynne - I have to believe you are loving your new home - right? I was so happy to be able to help you achieve this goal! Please stay in touch!
JOan was excellent to work with!
Reply from Joani Jacob
February 26th, 2026 04:39 PM
Thank you, Darolyn! We are excited to see your construction project come together! We will be in touch!
Joani is consistanly friendly, helpful, and always avaialable even for the smallest questions. Thank you Joanie!
Reply from Joani Jacob
May 22nd, 2026 07:59 PM
Thank you so much for your kind words, Kathy. I'm grateful to you and Deven for the repeat business. I will always be available for your questions! Your feedback means a lot to me!
Super efficient with a short window to get closed!
Reply from Joani Jacob
February 26th, 2026 04:37 PM
You are so very welcome! I am very grateful for your repeat business!
Joani is awesome!!! she did what she had to do to get me approved and I will be forever grateful..she is very knowledgeable.. she was definitely a pleasure to work with..thank you joani!!
Reply from Joani Jacob
February 26th, 2026 04:37 PM
You are most welcome, Jeremy! I am grateful to have played a part in your new home purchase - please stay in touch!
Joani is always very friendly, timely, and helpful. She is also very knowledgeable and the mortgage industry.
Reply from Joani Jacob
February 26th, 2026 04:35 PM
Thank you, Michelle! I'm grateful for your repeat business and - rest assured, I am watching the markets for you - will be in touch soon.
Prompt, Great at communicating and returning phone calls. I felt prioritized and confident in her abilities .
Reply from Joani Jacob
August 19th, 2025 01:44 PM
Thank you, Monica! I very much appreciate your cooperation as we worked through your mortgage process - you were helpful and prompt and we are grateful to you! Blessings on your future!
Joani finds a way to get things done and save money too!
Reply from Joani Jacob
August 19th, 2025 01:42 PM
Thank you, Chip! It was truly a pleasure working with you. If you ever have any more questions or need assistance in the future, feel free to reach out.
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About
Gulf Coast Bank and Trust Company has been serving our community and our clients since 1990. We have a team of dedicated mortgage professionals who will guide you through the home loan process and help you achieve the dream of homeownership. We combine the values of old fashioned community lending with a focus on individualized customer service that keeps our customers best interest at the forefront of everything we do. Simply put, we are The Bank That Cares About You!
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Specialities
Conventional mortgages, FHA, VA and RD (USDA) Mortgages, JUMBO Mortgages. 1-time close construction/permanent mortgages, renovation mortgages, mortgages for investment properties, rate/term refinances, cash-out refinances
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Positions
- Gulf Coast Bank and Trust Home Loans - Mortgage LenderOct 29th, 2008 - Current
Year Started
1993
Time Zone
Central Standard Time (CST)
Licenses
- NMLS# 89277
Disclaimer
Company NMLS ID 450086