Business Details
Your Trusted Mortgage Partner in Naples, FL
Gulf Coast Mortgage of Naples has served Florida communities for over two decades, specializing in mortgage solutions tailored to diverse borrower needs. Founded on principles of integrity and customer-centric service, we leverage 23 years of industry experience to connect clients with competitive rates and programs through trusted wholesale lending partnerships. Our locally owned and operated model ensures personalized attention, with a commitment to treating every client as a valued partner rather than a transactional file.Our team of seasoned professionals prioritizes transparency, efficiency, and expertise, consistently delivering approvals and closings within 15 days while maintaining compliance with federal privacy and security standards.
Services
Conventional Loans
Jumbo Loans
FHA Loans
VA Loans
Hometown Heroes
203K Loans
USDA Loans
Reverse Mortgages
Construction Loans
Portfolio Loans
Highlights and features
- We offer 23 years of local mortgage expertise in Southwest Florida.
- Our wholesale lending partnerships secure better rates than retail banks.
- Specialized programs for veterans, investors, and unique financial situations.
- Loans typically close in under 15 days from submission.
- Locally owned with personalized service from experienced mortgage professionals.
What people say
Fantastic helping
Best deal
Saved me money
Smooth process
Excellent work
Services
VA Loans
Specialized mortgage programs for veterans and active-duty personnel offering competitive rates with no down payment requirements. Our team has processed thousands of VA loans, ensuring smooth transactions through dedicated military lending expertise. Ideal for eligible service members seeking hassle-free homeownership solutions in Florida.
Construction Loans
Financing solutions for custom home construction with flexible terms and phased funding disbursements. We coordinate directly with builders and contractors to ensure timely project completion. Perfect for clients building their dream homes in Naples and surrounding Florida communities with expert guidance throughout the construction process.
Portfolio Loans
Non-conforming mortgage products for real estate investors with unique financial profiles or property types. These loans allow flexible underwriting criteria for multi-unit properties and rental portfolios. Designed to help investors expand their real estate holdings beyond traditional lending limitations in Florida's competitive market.
Reverse Mortgages
Home equity conversion mortgages for homeowners aged 62+ to access cash without monthly payments. We provide comprehensive counseling to ensure suitability for retirement financial planning. Ideal for seniors seeking supplemental income while maintaining home ownership in Southwest Florida.
Hometown Heroes Loans
Special mortgage programs for essential workers including teachers, nurses, and first responders with down payment assistance. These Florida-specific initiatives reward community service through reduced closing costs and favorable terms. Designed to help local heroes achieve homeownership in the areas they serve.
People
Bill Wingate
President/Co-Owner
With over two decades in mortgage banking, Bill leads Gulf Coast Mortgage's strategic operations and client relationships. His industry expertise ensures efficient loan processing and compliance with regulatory standards.
Jane Wingate
CEO/Co-Owner
Jane oversees daily operations and client services, leveraging her extensive mortgage experience to maintain the company's reputation for exceptional customer care and successful loan approvals in complex cases.
Tony Guberaj
Mortgage Loan Originator
Tony specializes in guiding clients through mortgage options with personalized service, utilizing his industry knowledge to secure favorable terms for diverse borrower profiles across Florida's real estate market.
Questions
What loan programs do you offer?
We provide conventional, FHA, VA, USDA, reverse, construction, portfolio, and specialty loans including Hometown Heroes and 203K programs.
How quickly can you close a loan?
Most loans close within 15 days from submission with our streamlined approval process and dedicated underwriting partnerships.
Do you work with first-time homebuyers?
Yes, we specialize in guiding first-time buyers through mortgage options with competitive rates and down payment assistance programs.
Are you licensed to operate in Florida?
We are a Florida-licensed mortgage broker with NMLS #375792, serving clients statewide since 1998.
Can you help with investment property financing?
Yes, we offer DSCR and portfolio loan programs specifically designed for real estate investors and rental property owners.
Do you offer refinancing options?
We provide rate-and-term refinancing, cash-out refinancing, and streamline options for Florida homeowners seeking better terms.
