Our company is a Florida based Mortgage Brokerage NMLS#1910800 and Real Estate Brokerage CQ1058242. The Broker for both is Benjamin Alexander NMLS#1509879 and BK3440102 respectfully. Ben originally started in real estate in 2003 in Tallahasse, moving to the beach in 2008. Ben obtained his first Real Estate Broker License in 2010 and entered the Mortgage Finance business in 2016, starting Emerald Coastal in 2019.
The focus of our company is to make the loan process easier. This company was born out of the frustrations of lost purchases, delays, and headaches of our real estate company's customers obtaining mortgage. Over the years we have also seen the cost get higher with endless fees. While there will always be taxes, surveys, and appraisals we do not charge any fees at a company level such as origination or processors fees. We also will credit all appraisal fees at closing.
As a mortgage brokerage we are not tied to one bank. The way we offer the best rates and most products is by working with multiple lenders. Some of the lenders we work with are United Wholesale Mortgage, Quicken, Caliber, AFR, Flagstar and others. We have options for FHA, Conventional, and Portfolio products. This allows us to do condo loans, renovation loans, refinances, and traditional purchases.
As Emerald Coastal Inc is a Licensed Real Estate Company we have the ability to provide you will real estate information and advice. Emerald Coastal does not actively sell real estate as a company. Ben Alexander also owns Premier Coastal which is a full service real estate company in Panama City Beach, FL