Pat Callaghan Gulf Coast Bank Mortgage Loan Originator

Looking to buy, build, or refinance your home? Gulf Coast Bank & Trust Home Loans is here to help! Let us guide you through the process and find the right mortgage solution for your needs. Check us out today and see why so many people trust us to help them with their home financing needs!
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Are you ready to buy a home, but are feeling overwhelmed or confused? Let us help put you at ease. Give us a call at 833-578-4663 and we’ll guide you through each step to homeownership. Take that first step today and call us!
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Choose Gulf Coast Bank & Trust Co. for your mortgage needs and experience personalized service and a genuine commitment to supporting our community and local growth.
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Are you tired of paying someone else’s mortgage every month? When you rent a home, you’re essentially helping someone else build equity in their property. Why not start building your own equity? Contact your mortgage lender at Gulf Coast Bank Home Loans to learn about the mortgage loan process and how to start building your own equity.
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Don't forget to ask your builder these essential questions to ensure a seamless and stress-free journey!
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Is the never-ending cycle of rising rents leaving you feeling exhausted? It's time to wake up to the possibility of homeownership! Gulf Coast Bank can help you find the right mortgage solution to kiss those rent hikes goodbye! Let's start your journey toward financial freedom today!
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Are you considering buying a home? A rate buydown could be your secret weapon! Learn how this strategy could help you achieve your homeownership dreams.
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A 1031 exchange allows you to defer the taxes you would pay on the capital gains you make on a property when you sell it. This is only deferring the taxes, it is not getting around them.
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You can utilize a home equity line of credit for things like debt consolidation, home improvements, or any other major purchase of your choice.
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Fact: your first step should be to connect with a Loan Officer & get pre-qualified.
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Escape to your perfect getaway with our tailored financial solutions. Make your dream vacation home a reality and give us a call today!
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An inspection tells you the condition of the home and can prevent unpleasant surprises. Waiving it could cost you.
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If you can’t get your documents submitted in a timely manner, it may slow down the mortgage approval process. Make sure you have all your documents in order beforehand!
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Managing your money wisely is crucial when it comes to achieving your financial goals, such as buying a home. One of the most effective ways to take control of your finances is by lowering your monthly expenses.
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With Gulf Coast Bank's bridge loan, repayment is hassle-free. Once you sell your existing home, the proceeds settle the bridge loan, empowering you to embrace your new home. Maximize your down payment and conquer the journey of homeownership today.

*Existing property must have minimum of 20% equity. Minimum bridge loan amount $25,000. Maximum term 1 year. Additional restrictions, fees, terms, and conditions apply.
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That will depend. If you would like to use the income of your spouse to qualify, then you must apply for the mortgage jointly and both of your credit will be considered. If you choose to apply without your spouse, then only your income will be considered when qualifying you for the loan.
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Avoid using your credit card for non-essential purchases or impulse buys. Consider using cash or a debit card instead of credit to make purchases, as this can help you stay within your budget and avoid overspending.
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Don't let indecision leave you with nothing but splinters—seize the opportunity to become a homeowner and start building your future with Gulf Coast Bank.
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Gulf Coast Bank's team of lenders can help buyers navigate the current market conditions and identify mortgage options tailored to their needs. By working with experienced professionals, buyers can make informed decisions despite the prevailing interest rates. Give us a call to get started on your path towards homeownership!
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Do you need extra cash to renovate your home? Pay off debt? Start a business? Purchase a second home? Reach out today to learn more! ⠀
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The answer is: Maybe. Credit is just one of the items that a mortgage decision is based on. There are several programs designed for clients with limited credit. To know for certain, you will need to speak with a mortgage professional, who is knowledgeable about loan programs available.
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Tapping into your home's equity with a HELOC can turn your dreams into reality. Ready to explore the benefits of a HELOC and see if it's the right financial move for you? Let's start the conversation!
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Before shopping for a home, it’s important to figure out how much house you can comfortably afford. A good rule of thumb is to spend no more than 28% of your gross monthly income on housing-related costs and 36% on total debts, including your mortgage, credit cards and other loans.
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Gulf Coast Bank provides bridge loans based on your existing home’s equity. Qualified borrowers can finance up to 80% of your home's appraised value minus any outstanding mortgage. Seize the opportunity to secure your next home. Start your bridge to homeownership today!

*Existing property must have minimum of 20% equity. Max LTV 80%. Minimum bridge loan amount $25,000. Maximum term 1 year. Additional restrictions, fees, terms, and conditions apply.
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A rate buydown can help buyers buy and sellers sell! It can be a win-win!
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A rate lock is a contractual agreement between the lender and buyer. There are four components to a rate lock: loan program, interest rate, points, and the length of the lock.
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Preparation is key to make the homebuying process easy and rewarding. Call me to lead you down the road of being a well-informed, confident, and happy homebuyer!
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By leveraging the equity in your existing home, you may ensure peace of mind for both borrowers and lenders. get the support you need to bridge the gap between homes with a bridge loan!

*Existing property must have minimum of 20% equity. Minimum bridge loan amount $25,000. Maximum term 1 year. Additional restrictions, fees, terms, and conditions apply.
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Your monthly mortgage payment is determined by several factors, and it can vary based on the specifics of your mortgage agreement. Here are the key factors that influence your monthly mortgage payment.
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It’s always best to get pre-qualified before starting your search. Give me a call to get started!
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