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
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Business Hours
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9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
Joani was fabulous. A staff in the construction draw area was not as responsive towards the end, and actually made a couple of mistakes regarding our final payout amount that we had to bring to his attention.
Reply from Joani Jacob
September 28th, 2023 03:30 PM
Thank you, Grace - you were fabulous, too! And your house is just awesome - great job to you and Michael! Looking forward to talking with you soon!
Joani was knowledgeable, communicative, and delightful to work with from beginning to end.
Reply from Joani Jacob
September 28th, 2023 02:48 PM
Mike - I am truly grateful for your kind comments! You and Grace have created a very wonderful home - I know building can be quite the challenge, but you managed it beautifully and the end result was surely worth it, was it not? Please keep...
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Everyone working my for my loan went above and beyond they made it happen, a great team
Reply from Joani Jacob
September 28th, 2023 02:07 PM
We are all delighted for you Sal! Enjoy your new home!
Joani did a fantastic job! She was always willing to jump on the phone and answer my questions. She was very explanative and detailed with her answers and always ensured I received the information I was looking for. Truly one of the most pleasant...
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Reply from Joani Jacob
September 28th, 2023 01:22 AM
Theresa - thank you for your great review!! I very sincerely enjoyed working with you on your project. And - I have to say, it turned out great! What a beautiful home - I know you and Scott will have many happy years here. Please keep in touch....
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Mrs. Joani is so amazing! She helped us through every step and was always willing to answer our questions, even if they were the same questions repeated. She was patient with us and made this experience as pleasant as buying a house can be....
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Reply from Joani Jacob
August 29th, 2023 04:31 PM
You made my day with your great review, Erica! Thank you so much! Many blessings to you and Hunter - may you have many years of happiness in your new home!
Joani is a superstar!!!
Reply from Joani Jacob
August 29th, 2023 04:32 PM
Thank you so much, Glen! It's always a joint effort between us and the borrower - and YOU did such a great job submitting your documentation in a timely fashion - you are very much appreciated! Thankyou again!
Joani's communication and professionalism are exceptional. She kept me informed throughout the entire process so that I was aware of all of the steps involved with our construction/final mortgage. I will not hesitate to contact Joani for any...
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Reply from Joani Jacob
August 29th, 2023 04:34 PM
Hi, Mona - thank you very much for your review! We are honored to be able to work with you on your new build - the home turned out beautifully! I hope you and your family have many years of happiness in your new home!
Joani is the sweetest & most patient person. She was so helpful and made sure we really understood everything. She made this process so so easy!! We couldn’t have asked for a better person to help us!
Reply from Joani Jacob
August 29th, 2023 04:35 PM
Thank you so much, Katelyn! You and Billy were great to work with. I very much appreciate your kind words! Please stay in touch!
Process was simple and easy. Everything was taken care professionally & timely. Great experience start to finish.
Reply from Joani Jacob
August 29th, 2023 04:37 PM
Hi, Angie! I am so grateful for your review - thank you! We are very honored to have been able to help you and Perry with your new build - the house is just beautiful! Please stay in touch!
I expected to be much more stressed as a first-time home buyer, but Joani made the process very simple. She clearly articulated every step of the process, responded promptly to our questions, and did her best to allay any of our concerns.
Reply from Joani Jacob
August 29th, 2023 04:39 PM
Hi, Chase - thanks so much for your review! You and Devon were just wonderful to work with - we are grateful to have been able to work with you both. I hope you'll feel free to reach out to us if we can help you with anything in the future!...
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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.