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
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.
Joani was always reachable and took her time with us explaining things and even just chatting at times. It was nice to not feel like an inconvenience, and instead was welcomed and supported.
Reply from Joani Jacob
August 19th, 2025 01:41 PM
Thank you, Robin, for sharing your experience. I'm really pleased to hear that you felt welcomed and supported throughout the process. Taking the time to explain details and ensure you feel comfortable is an important part of what I do, and...
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She made sure I thoroughly understood everything. Even the sellers' agent and title agent made a comment about enjoying working with my lender.
Reply from Joani Jacob
July 25th, 2025 03:48 PM
Carla, I very much appreciate your feedback! It is certainly gratifying to know our efforts "hit the mark"! I'm sincerely grateful for your repeat business - we will be in touch soon. Please don't hesitate to reach out to me at any time! :)...
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Joani and her team are the best! I would not recommend anyone else!!!!
Reply from Joani Jacob
July 25th, 2025 03:46 PM
Lisa - I am so grateful for your kind comments! I will be in touch with market information via email soon. Thank you again for your business!
Joani and the entire team was very friendly and helpfu. Moving from another state was difficult and they explained everything well and helped us in every way possibl.
Reply from Joani Jacob
May 15th, 2025 03:13 PM
Thank you, Michelle! I am grateful for your kind words - please let me know if we can help with anything else.
Joani was a pleasure to work with.
Reply from Joani Jacob
April 29th, 2025 06:36 PM
Thank you, Scott! We're grateful for the opportunity to help you and Marie with your beautiful build! Feel free to reach out to me at any time in the future!
The personal connection she makes, her willingness to go the extra mile, and overall she just cares about you.
The perfect example of how business should be done.
Reply from Joani Jacob
April 29th, 2025 06:35 PM
Working with you was awesome, Joshua!! We are super grateful for your repeat business and are very much looking forward to the next one. :)
good communication, and easily accessible if I had any questions.
Reply from Joani Jacob
April 7th, 2025 09:18 PM
Thank you, Jay! I'm sure you and your family will enjoy this property! Please stay in touch!
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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.