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Welcome to Gulf Coast Mortgage Co., Inc.

Amanda Spybey CRMS, Owner/CEO, founded Gulf Coast Mortgage Co., Inc. in Dec. 1999 in Daphne, AL. Her company offers a large variety of programs including, but not limited to: First Time Homebuyers; $0 down with & without MI; 80/20 combo loans; VA loans; Condos; 2nd homes and Investment properties; Interest-Only and ARMs.

A graduate of the University of Alabama, Amanda and her husband Danny moved to the Eastern Shore in 1997, and proudly welcomed the addition of their son Jackson to their family in 2005.

Amanda was awarded SCORE’s (Service Corp. of Retired Executives) 2002 “Client of the Year” award, and the Eastern Shore Chamber of Commerce nominated her company for “Small Business of the Year” in 2002, 2003, 2004, 2005 & 2006. In 2004, the company was a finalist for Small Business of the Year.

In 2005, Amanda received the highly coveted designation of CRMS® (Certified Residential Mortgage Specialist), a certification developed by the National Association of Mortgage Brokers (NAMB) to recognize brokers who have attained the highest levels of professional expertise. Developed through extensive research by mortgage industry experts, a NAMB designation is gained only once the candidate has met certain requirements of experience and knowledge to practice mortgage brokering and has passed a written examination. As of 11/2005, out of 300,000 mortgage brokers nationwide, there are only 7 brokers in the state of Alabama who hold either the CRMS® or CMC® designation in the state of Alabama, and Amanda is one of only 3 in Baldwin & Mobile Counties combined.

Amanda has been granted the very exclusive “Delegated Underwriting” status, which is only achieved after demonstrating her expertise and knowledge in the areas of underwriting mortgages, understanding program guidelines & requirements, compliance and approving borrowers. This allows her to offer in-house underwriting on a large variety of programs offered, which in turn lowers closing costs for borrowers and speeds up underwriting and closing times.

Amanda is a member of the National Association of Mortgage Brokers (NAMB), The Alabama Mortgage Broker’s Association (AMBA), Eastern Shore Chamber of Commerce and the Eastern Shore Art Association. She also regularly donates to the local schools.