Business Details
Your Trusted Mortgage Lender in Pensacola, FL
Mortgage Trust has built its reputation on decades of expertise in mortgage banking along the Gulf Coast. Our locally owned and operated office specializes in streamlining the home loan process through experienced management and local processing capabilities. With over 40 years of combined experience, we deliver personalized service for purchase and refinance transactions across Florida and Alabama. Our team's deep understanding of Gulf Coast real estate markets enables efficient loan closures in as little as three weeks. We maintain a client-centric approach, prioritizing satisfaction through transparent communication and tailored financing solutions.Our commitment to innovation ensures access to diverse loan products including VA, FHA, conventional, jumbo, and USDA options. By maintaining local underwriting authority, we provide faster decision-making and more responsive service than larger institutions. Our proven track record demonstrates consistent delivery of promised timelines and financial benefits to homebuyers. We actively engage with clients throughout the process, addressing concerns and providing clear guidance at every stage. This combination of local expertise and national lending standards positions us as a trusted partner for Gulf Coast mortgage needs.
Services
VA Loans
USDA Loans
Conventional Loans
FHA Loans
Jumbo Loans
Refinance Options
Highlights and features
- We deliver loan closings in as little as 3 weeks with local processing
- Our team offers 40+ years of Gulf Coast mortgage banking experience
- We provide up to 4% lender credits toward closing costs
- We maintain local underwriting authority for faster decision-making
- We specialize in complex loan types including VA Jumbo and Beach Condo financing
Associations and certifications
- NMLS 1097672
Services
VA Loans
VA Loans offer 100% financing for eligible veterans with loan amounts up to $2 million. We provide up to 3% lender credit toward closing costs and pre-paids. Our streamlined process enables closings in 3-4 weeks with potential for $0 move-in costs through earnest money reimbursement.
USDA Loans
USDA Loans provide 100% financing for properties in approved rural areas with loan limits up to $484,350. We offer up to 3% lender credit toward closing costs and pre-paids. Eligible buyers may qualify for $0 move-in through earnest money refunds at closing.
Conventional Loans
Conventional Loans available up to $510,400 with 3% down for first-time buyers. Financing options for primary residences, second homes, and investment properties including beach condos. Flexible terms for 15-30 year mortgages.
FHA Loans
FHA Loans require only 3.5% down payment with up to 4% lender credit toward closing costs. Available for primary residences with flexible credit requirements. Ideal for first-time homebuyers seeking affordable financing options.
Jumbo Loans
Jumbo Loans exceed conventional limits with amounts above $510,400. Available with 10% down for primary residences and beach condos. Competitive rates for high-value properties with flexible underwriting standards.
People
Calvin Moghadam
Founder
Calvin Moghadam founded Mortgage Trust with 40+ years of mortgage banking experience. He leads our team in delivering personalized loan solutions while maintaining local processing capabilities. His expertise ensures efficient closings and client satisfaction.
Questions
What loan types do you offer?
We offer VA, FHA, conventional, jumbo, and USDA loans with specialized options for Gulf Coast properties.
How quickly can you close a loan?
Our local processing enables closings in as little as 3 weeks for qualified applicants.
Do you offer lender credits?
Yes, we provide up to 4% lender credits toward closing costs depending on loan type.
Can I refinance my current mortgage?
Yes, we offer cash-out refinancing for home improvements, debt consolidation, or rate reduction.
Are you licensed in my state?
We are licensed in both Florida and Alabama to serve Gulf Coast region clients.
