25,340 Points

Name

Scott Hoag

Company

Gulf & Southern Mortgage

E-mail

Contact Scott Hoag (Gulf & Southern Mortgage)

Website

http://LivingInStPete.com

Office Phone

(727) 344-3995

Cell Phone

(727) 644-3656

Alt. Phone

(727) 344-0404

Fax

(727) 347-5297

Address

5521 38th Ave N, St Petersburg, FL, 33710

Description

Mortgage expert for St Petersburg, Clearwater, Palm Harbor, Seminole, Largo, Dunedin, Gulfport and Gulf Beaches Tampa Bay Florida Real Estate and Mortgage Consultant. Mortgages for Homes & Condos

About Scott Hoag

PEOPLE NEED A LENDER THEY CAN TRUST AND DEPEND ON

If you are looking for a Mortgage expert for St Petersburg, Clearwater, Palm Harbor, Seminole, Largo, Dunedin, Gulfport and Gulf Beaches. That is what we want to convince you we are. Trustworthy because we don't play any games or purposely mislead people just to try and get a borrower "in the door". We truly pride ourselves on honest and accurate information which is why we don't quote rates. We just don't do it. Any rate quoted to you by anyone before they have processed your application is just a guess. We want you to know exactly what your rate will be. The truth is you can call almost any lender in the nation and say, what are your rates? And they will reply, "We have rates as low as 1%."

Dependable is what happens after that first call. Dependable means if we say we're going to work - we are going to work. If we encounter a bump that needs to be handled we let you know immediately. For example we currently have a borrower who applied for a loan with a lender in California. The borrower has supplied everything the lender needs and paid $400 for an appraisal. They applied 40 days ago for a HELOC. The lender has postponed the closing three times. We told the borrower why: They can't do the loan and they are shopping it to other lenders trying to broker it out. IT NO LONGER EXISTS.

We got their application on Tuesday, Appraisal on Wednesday and can close on Friday.  

About Gulf & Southern Mortgage

Gulf & Southern Mortgage Corp. is your local full-service mortgage company incorporated since 1986 in Florida.  Scott Hoag has been a mortgage consultant since 1994 and has closed over 500 loans in his career.   We are a "Licensed" Lender/Broker. We have been originating mortgages for more than 21 years. We are a leading Lender for insured FHA and guaranteed VA mortgages.

Gulf & Southern's strongest asset is our flexibility. Every day, we have access to many FHA, VA, and Conventional underwriters. We are an approved lender for charity gift down-payment programs.

AGENTS

Understanding what it means to be able to deliver is what separates Gulf & Southern from the "lender jungle". Like you we don't get paid until the deal closes - so, if it can be closed Gulf & Southern Mortgage can close it. You give us one shot at beating your in-house broker and you'll be amazed. There's a reason professional investors, mortgage brokers and builders trust Gulf & Southern Mortgage with ALL of their deals - we get it done!

Our full menu of mortgage solutions is too vast to publish but if you have a client we have a solution. In the event that you have a client who is currently unfundable we'll work with them for as long as it takes to get them in a position to make their dreams come true. You will have a primary contact point who is available to address your questions and liaison with you on every client.

Our back office team is second to none. We have some of the best processors in the country.  Their professionalism and knowledge of the Underwriting guidelines are unmatched by other companies that fumble through your loan by asking you to bring them everything in your file cabinet for them.  We do QC, Processing and Underwriting IN HOUSE on most of our deals. We are busy, however, as we are number one in our market niche. But we want you and want to help you increase your pay. We offer several seminars for your clients every year and provide continuing training to you as an agent on what's happening in the mortgage industry. 

REAL ESTATE INVESTORS

There are many reasons why a great number of professional real estate investors got their start with Gulf & Southern Mortgage and continue to return to us for their funding and financing needs: When it comes to real estate investments there is no other broker or lender with more experience than Gulf & Southern Mortgage.

Our offerings for investors begin with a in-depth morning or afternoon session which leaves them with a complete business plan created from scratch, being pre-qualified so they'll know their buying and bargaining power and with properties in hand to immediately begin getting familiar with the market or building their portfolio.

* 100% Acquisition with as low as a 620 score and stated income
* Hard Money from 2 points at closing and prime +1
* 6 months seasoning for cash out refinance to the new appraised value (95%) at rates that start as low as Prime-1.00%  (7.25%)

HOMEOWNERS

Many people don't know that Gulf & Southern Mortgage provides one of the largest selections of homeowner mortgage loans in the business. With literally thousands of loan solutions in our menu there is little we cannot do for you. As participants in The American Dream Home Ownership Plan since the early 2000's we've long been a "best kept secret"

The only reason we're a "best kept secret" is because we don't advertise this facet of our services due to the great number of calls it generates. So whether you are a homeowner looking for the best loan for your needs or you are a real estate professional looking for a company to support your efforts to provide quality and affordable housing to your clients Gulf & Southern Mortgage can show you opportunities you may have never dreamed!

Areas of Expertise

We specialize in working with 1st time homebuyers and have over 493 programs available to assist them.  Finding creative ways to help people buy homes with as little money out of their pocket as possible.

Testimonials