Business Details
Your Trusted Mortgage Partner in Pensacola, FL
Mortgage Trust has been serving the Florida and Alabama Gulf Coast regions for over four decades, specializing in streamlined mortgage solutions. Our locally owned and operated office leverages decades of industry expertise to process, approve, and close home loans in under 30 days. With a focus on client satisfaction, we offer a range of loan products including VA, FHA, Conventional, Jumbo, and USDA options, alongside refinance services. Our team's deep understanding of regional real estate markets enables efficient underwriting and personalized guidance throughout the homebuying journey.We prioritize transparency and convenience, providing lender credits to reduce upfront costs and ensuring a seamless experience for both first-time buyers and seasoned investors. Our commitment to excellence has established us as a trusted partner for realtors and clients seeking reliable mortgage banking services.
Services
VA Loans
FHA Loans
Conventional Loans
Jumbo Loans
USDA Loans
Refinance Services
Highlights and features
- We offer 40+ years of Gulf Coast mortgage banking expertise
- Our local processing enables 3-4 week loan closings
- We provide up to 4% lender credits for closing costs
- Our team specializes in Gulf Coast beach property financing
- We maintain direct communication with realtors and clients
What people say
Incredible mortgage services
Pleasant experience
Professional and personalized service
Deliver every time
Makes my job easier
Services
VA Loans
VA Loans provide 100% financing for eligible veterans with loan amounts up to $2 million. We offer up to 3% lender credits toward closing costs and expedite closings within 3-4 weeks. Our specialized team ensures veterans receive maximum benefits including earnest money refunds at closing.
FHA Loans
FHA Loans require just 3.5% down payment with up to 4% lender credits covering closing costs. Designed for first-time homebuyers, these loans combine affordability with flexible qualification standards while maintaining competitive interest rates for primary residences.
Jumbo Loans
Jumbo Loans exceed conventional limits with options up to $2 million. We offer 10% down payment options for primary residences, second homes, and beach condos. Our local underwriting streamlines approval for high-value properties along the Gulf Coast region.
USDA Loans
USDA Loans provide 100% financing for properties in eligible rural areas with loan limits up to $484,350. We offer 3% lender credits toward closing costs and ensure timely closings for qualified buyers seeking affordable homeownership in designated communities.
Refinance Services
Refinance Services allow homeowners to reduce interest rates, shorten loan terms, or access equity for home improvements. Our streamlined process enables cash-out refinancing while maintaining competitive rates for both primary and investment properties.
People
Calvin Moghadam
Founder
Calvin Moghadam established Mortgage Trust Inc. with a vision to simplify Gulf Coast home financing. His leadership combines four decades of mortgage banking expertise with a commitment to personalized service, ensuring clients receive tailored solutions and exceptional support throughout their homebuying journey.
Questions
How quickly can you close a mortgage loan?
We typically close loans in 3-4 weeks, significantly faster than the industry average of 60+ days, thanks to our local processing capabilities.
What loan programs do you offer?
We provide VA, FHA, Conventional, Jumbo, USDA loans, and refinance options with competitive terms for primary residences, investment properties, and beach condos.
Do you offer lender credits for closing costs?
Yes, we provide up to 3% lender credits for VA/USDA loans and 4% for FHA loans to help cover closing costs and reduce upfront expenses for qualified borrowers.
Can I refinance my existing mortgage?
Yes, we offer cash-out refinancing options to consolidate debt, fund home improvements, or adjust loan terms while maintaining competitive interest rates for Gulf Coast properties.
How do I start the mortgage process?
Begin by applying online or calling us at 850.497.6767 to discuss your financing needs with our experienced team who will guide you through every step of the process.
