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
Very understanding
Reply from Joani Jacob
January 26th, 2024 10:12 PM
Thank you, Maria! I hope you and Jeffery have many happy years in your new home! Please stay in touch - we'll be here for you in the future, too!
Joani (and the entire team at Gulf Coast Bank) was very responsive and answered all my questions in a timely manner. They made the construction process less stressful because I didn’t have to worry about the bank not responding or lack of funds...
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Reply from Joani Jacob
January 21st, 2024 09:41 PM
Thank YOU, Dustin! You and Jessica were "dream" customers - always responsive, always ready to submit any documentation. We are super grateful you choose us to help you with your new build. The house is absolutely beautiful - I know you will...
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Joani is easy to work with. She is very positive and seems to want the best for you. All of the staff I have come in contact was exceptional.
Reply from Joani Jacob
January 21st, 2024 09:38 PM
Thank you for your kind words, Joelle! You and Dale are always wonderful to work with! We are looking forward to the next one! :):)
Friendly, Professional, and Excellent Customer Service.
Reply from Joani Jacob
January 21st, 2024 09:37 PM
Thank you so much for your review, Christina! I'm looking forward to seeing your finished project!
Working with Mrs Joani has been such a wonderful experience. Joani made everything so easy for us! Thank you Mrs Joani!
Reply from Joani Jacob
November 20th, 2023 03:02 PM
Thank you so much for these kind words, Jared! Working with you and Ashanti has been wonderful and we are so grateful to have the honor of helping you both with your home mortgage! I hope you will continue to stay in touch and reach out with...
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Joani made what could have been a confusing process very clear and provided incredible support and encouragement through it all.
Reply from Joani Jacob
November 20th, 2023 03:08 PM
Elise - working with you and your sweet husband was a joy. I'm truly grateful we had the honor of helping you with your home loan. I hope your family enjoys many happy years in your new home! Don't hesitate to reach out at any time in the future...
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Prompt service, fantastic communication, super speed on closing. Joani and her team do marvelous job and are a pleasure to work with.
Reply from Joani Jacob
November 20th, 2023 03:10 PM
Gene - working with you and Angela (again!) was a true privilege. Thank you for your great review and I will definitely look forward to working with you two in the future!
Joani and her team were outstanding and on top of everything. They were very thorough and made sure I knew exactly what to complete and submit in a timely manner. They made this entire process seamless.
Reply from Joani Jacob
November 10th, 2023 06:01 PM
Thank you for your review, Lauren! We are truly honored to have been a part of your home purchase. We hope you and your family have many happy years in your new home. Please stay in touch!
Joani made the experience great.
Reply from Joani Jacob
November 10th, 2023 05:59 PM
Thank you very much for the kind words AND your repeat business, Derek! We are grateful and honored to be able to work with you and Sara again! We will be in touch!
This is our second time working with Joani. She’s been friendly and professional while moving very quickly through the loan process. We appreciate the excellent communication she and her team provide, answering all our questions and concerns....
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Reply from Joani Jacob
November 10th, 2023 05:57 PM
Thank you, Angela!! It was an honor to be able to work with you and Gene again! We are grateful for your kind comments AND your repeat business. :) 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.