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
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
Mrs. Jacob was polite, prompt, and knew her job well. She kept in contact frequently. Her advice was sound.
Reply from Joani Jacob
July 29th, 2026 03:13 PM
Thank you, Carlos - I was very happy to be able to work with you and Elizabeth on your purchase. And - I want to thank you both for your very kind cooperation in submitting documentation. Congratulations! Please stay in touch!
Mrs Joani was very respo and patient with us during this process. She made the process easy and we were about to get the loan to the finish lin. Would recommend 10 out of 10
Reply from Joani Jacob
July 29th, 2026 03:09 PM
Thank you, Amber! I'm grateful for your review! You and Ryan are appreciated, too! It's always a joint effort getting a loan to closing. So - THANK YOU for your kind cooperation. We very much look forward to the completion of your project in...
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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.
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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
Down Payment Assistance
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
Pacific Standard Time (PST)
Licenses
- NMLS# 89277
Disclaimer
Reviews and testimonials reflect the individual experiences and opinions of clients and may not be representative of all customers. Experiences may vary. Gulf Coast Bank & Trust Company does not guarantee any specific outcomes or results. All loan products are subject to credit approval, underwriting guidelines, and applicable laws and may not be available in all markets. The services and products advertised are not approved or endorsed by HUD, FHFA, USDA, the Department of Veterans Affairs, or any government agency. Gulf Coast Bank & Trust Co. NMLS 450086. Equal Housing Lender. Member FDIC.