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Gulf American Mortgage, Inc (GAM) is headquartered in Fort Myers on the beautiful gulf coast of Florida. GAM was founded by husband and wife team Brian and Karen Culbertson who combine for over 19 years of mortgage experience. Having previously held several upper level supervisory positions within the mortgage field, they have had the opportunity in funding nearly one billion dollars worth of 1st and 2nd mortgage loans. Far too often, many mortgage originators are learning on the job. Every mortgage loan is different, and your loan may be the first of its kind they've encountered in their career. As you can imagine, an inexperienced loan officer can lead to many problems along the way. If they can't understand and comprehend the hundreds of mortgage programs available, how are they going to be able to explain those programs to you? The Mortgage Professional you choose needs to have the experience to design the best mortgage program for YOU, not the mortgage company they work for. Our primary focus is to determine your exact needs, and custom tailor a mortgage loan to fit those needs. Just like many other mortgage companies, we have access to over 200 wholesale loan programs. The difference at Gulf American Mortgage is that we understand those programs, and will consult with you until we find the perfect mortgage for your exact needs. Whether you are buying a new home, refinancing an existing home or utilizing the hard earned equity in your home for debt consolidation and home improvements, Gulf American Mortgage has experienced every imaginable situation. Fill out our On-Line application today, and one of our experienced professionals will begin working towards finding the perfect loan for you.