Treasure Coast Mortgage : Emmett Dempsey

About Treasure Coast Mortgage

Treasure Coast Mortgage is a veteran-owned and family-run mortgage brokerage founded by Emmett Dempsey, a U.S. Army veteran. Since 2007, the company has been dedicated to providing transparent and personalized mortgage services. Emmett's wife, Cheryl, and her company, Coastal Breeze Processing, handle the file work, ensuring a family-like approach to client service. They aim to offer real information and a clear path for all clients, from first-time homebuyers to those refinancing or seeking equity. Unlike call centers, Treasure Coast Mortgage emphasizes direct communication with a trusted professional.

Credibility and Expertise

With a history dating back to 2007, Treasure Coast Mortgage has navigated various market conditions, including the Great Recession, providing clients with experienced guidance. The company is veteran-owned and operated, highlighting a commitment to service and integrity. They are licensed to lend in three states: Florida, Georgia, and Texas. Their approach is built on trust, offering real information and advice without high-pressure sales tactics. Client reviews consistently praise their responsiveness, knowledge, and ability to make the mortgage process smooth and stress-free.

Offerings and Services

Treasure Coast Mortgage offers a comprehensive suite of loan programs tailored to diverse client needs. This includes options for First-Time Home Buyers, VA Loans, Conventional Loans, FHA Loans, and Jumbo Loans for higher-priced properties. They also specialize in Self-Employed & Bank-Statement Loans, Investor & DSCR Loans, Reverse Mortgages, Refinancing, and Home Equity Loans/HELOCs. Additionally, they assist clients in accessing Down Payment Assistance programs and utilizing 2-1 Buydown options. Their service areas cover Florida, Georgia, and Texas, with a focus on providing personalized solutions and clear explanations for each loan type.

Unique Advantages

Treasure Coast Mortgage distinguishes itself through its veteran-owned status, family-run operation with dedicated processing by Coastal Breeze Processing, and a commitment to transparency by providing real numbers and clear explanations upfront. They emphasize being an advisor and educator rather than just a salesperson, leveraging extensive experience since 2007 to guide clients through complex financial decisions.