Recommendations List

Lenders:

We only recommend lenders who have a reputation for competitive rates and fees. Below is our short list of some of the best on the MS Gulf Coast. Their proven track records of professionalism and service easily make them two of our favorites. Not only do they offer some of the best rates with no hidden fees, they also make themselves available over the weekend and/or after hours, when it really counts. Both of these guys work hard to close on time and make sure your closing ends smoothly. If you select either, we are confident you will agree, they are some of the best in the industry.     

 (add parts from first step – get pre approved)

 

Michael Cobb

Senior Loan Officer, Supreme Lending

1611 24th Ave Gulfport MS 39501

Direct: 228.357.9598

Cell: 228.860.0019

Email: Michael.Cobb@SupremeLending.com

To Apply Online Click: SupremeLending.com/MichaelCobb

supreme lending.PNG 2

 

Chris Ladner

Owner/Broker, Gulf South Mortgage

12292 Ashley Drive Gulfport, MS 39503

Direct: 228.831.0933

Cell: 228.424.3767

Email: ChrisLadner@GulfSouthMortgage.net

To Apply Online Click: GulfSouthMortgage.net/Application.html

 gulf south


 

Closing Attorney:

The closing attorney you choose plays a crucial role in your transaction. They perform the title examination for the property, correct any title issues they find, write title insurance, handle legal issues associated with the transaction that may come up, conduct the closing, and file the deed. This is not a service you want to “bargain hunt” for. Many clients have asked if they can use their family attorney. The answer is yes, but we HIGHLY recommend you use an attorney that specializes in real estate closings and who is well versed in MS real estate law. Picking an attorney that doesn’t specialize in this type of law increases the risk that items on your title exam may be overlooked or errors with your closing may be made. Those errors could lead to BIG problems and major expense after closing. Selecting the right attorney for the job will help you avoid future costs to correct missed issues and will allow you to rest easy, knowing that your closing was handled properly. 

 

Schwartz, Orgler, and Jordan

12206 Hwy 49 Gulfport MS 39503

Schwartz, Orgler, and Jordan Attorney Profiles

website: www.SOJLaw.net

Office: 228.832.8550

  • Celeste R. Paige, Closing Specialist
  • Email: Celeste@SOJLaw.net
  • Cell: 228.383.0650

 

 

…A side note about title insurance

Some attorneys, especially those who are not real estate attorneys, will tell buyers that purchasing title insurance is unnecessary. This is far from the truth! Title insurance insures against financial loss from defects in title work such as invalid foreclosures or missed mortgage payoffs. Ending up in a lawsuit due to a title that was incorrectly recorded many years ago is no fun and it can happen to anyone. We have seen it firsthand many times, don’t let it happen to you!


 

Home Insurance:

Having the right insurance agent can make all the difference in the world! No two agents evaluate a property the same and no two companies quote the same figures. In many cases, the cost for the exact same coverage can vary greatly and make a dramatic difference in a buyers monthly payment. It is in every buyer’s best interest to obtain several quotes from many different companies and then ask those companies to beat the best rate they’ve found. 😉 Companies such as Allen and Smith Insurance, South Group Insurance, etc. compare several small company brands and large brand names to find their clients the best quote possible. Below are some of the most knowledgeable and diligent insurance agents we tend to work with time and time again.  

*** If your property is in a flood zone, the flood insurance can most likely be assumed by the seller. Homeowners and Wind & Hail insurance can not be assumed and vary depending on the buyers age, amount they are insuring, etc. If you are NOT in a flood zone, you do not have to purchase flood insurance but you can still obtain flood insurance for a very low cost. 

 

Cale Merrill 

Allen and Smith Insurance

Cell: 228.365.1374

Email: CMerrill@Allen-Smith-Ins.com

 

Tracy F Arnold

South Group Insurance

Cell: 228.205.2498

Email: Tracy.Arnold@SouthGroup.net

 

William Sowell

Coastal Insurance Group

Cell: 228.596.6744

Email: William@CoastalinsMS.com


 

Home inspector:

 

Randy Westrick    

ProSpect – Inspections 

Cell: 228.365.5454

Email: ProSpectPI@CableOne.net

We have personally used Randy Westrick during the purchase of our home and commercial building. In our experience, every client who has ever hired Randy says he is the most thorough home inspector they have ever used. His reports tend to be so thorough, they can be a little frightening but Randy is always available to answer any questions.


 

Wood Destroying Termite Inspector:

In the state of MS, a WDIR is required to close. If the buyer pays for this inspection, they will choose the termite inspector.  Typically a WDIR cost less than $50 and its a one time inspection completed 10 days before closing. Below is BJ Ledet with FDL, one of the most affordable WDIR inspectors on the Gulf Coast. He also offers competitive yearly termite contracts.

** If the home you are purchasing has a termite contract, it may be assumable, but not matter, a WDIR has to be purchased to close on a home in the state of MS.

BJ  Ledet 

FDL Termite Inspector

11005 Dixie Ct.

Bay St. Louis, MS 39520

Cell: 228.209.7374

Email: FDLInvestments@yahoo.com


 

Septic Inspector:

Not every home has a septic tank and not every loan requires a septic inspection. Typically only a VA loan requires a septic inspection if the property has a septic tank.  

 

Larry with Bond Septic Services 

929 22nd St, Gulfport, MS 39501

BondSepticServiceGulfportMS.com

Cell: 228.863.0103

 


 

Handymen:

 

General repairmen:

Bradley Keesee – Cell: 901-834-0581

Stephen Carlson – Cell: 228.424.5152 ( Licensed Contractor )

 

Electrician:

Joe Wells – Cell: 228.239.2832

 

Roofer:

William Schonewitz – Cell: 228.697.3059

 

Painter:

James Hernandez – Cell: 228.547.1344

Custom Painter. James and his sons do amazing work . They painted our home and distressed our kitchen island, fireplace mental, and bathroom cabinets.

 

William Tohfield – Cell: 228.547.9466

Affordable and very good at what he does, Mr. Tohfield is our go to for flips and simple jobs.

 

Plumber: 

Royal Flush – 228.867.9944

 

HVAC Contractor:

John Waller – 228.233.5007

 

Land Services:

Mitch Hardie – Cell: 228.493.0638

  • Slab Removal
  • Bush Hog
  • Tree Removal
  • Dirt Work
  • Dozer Work
  • Track-hoe Work
  • Grading