Greetings! My name is PAT CRAY and I am the President of Gold Coast Lending. Our firm treats clients like family and we always make sure that we're doing what is in our client's best interest!

We specialize in FHA loans. These loans are perfect for First Time Homebuyers and for cash-out refinances up to 95% of your home's value. Some of our best markets are in Miami-Dade, Broward, Palm Beach, Florida, and many parts of Alabama including Jefferson and Montgomery counties.

We also specialize in commercial financing for apartment buildings, office / warehouse buildings, gas stations, and franchises. We have some very special financing for professionals (Doctors, Attorneys, CPA's) that can't be beat! Our commercial financing is available for anywhere in the USA.

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Find the perfect loan to fit your needs:

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.

Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.

Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards, put your kids through college, or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.