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The Gold Standard of the Mortgage Industry
Let our team find the solution to your home buying needs.

Mission Statement
With thousands of satisfied customers and over 40 years of combined mortgage experience between its two founders, Gold Coast Funding is the new company that’s really been here all along. We are a full service mortgage broker with every traditional and non-traditional product the mortgage industry has to offer. Our mission is to provide a solution for all of our clients’ needs and then to deliver a smooth personable transaction from start to finish, one that truly gives a new meaning to service. We treat our clients like friends and over the last two decades we have proven that we don’t just do mortgages, we live them.
At Gold Coast Funding, we are the gold standard of the mortgage industry in service, experience, and integrity.
WHAT PEOPLE SAY
Read What Our Customers Say
Mike V.
Everyone at Gold Coast Funding is first-class. They have a terrific team of employees who work relentlessly to accomplish the goals of their clients. Al Saad got me a great rate and stayed involved during my entire home buying process. He made sure eveything went smooth and kept constant communication. Al showed up to our closing and was extremely professional, knowledgeable, and efficient. It was a pleasure working with Al and the rest of the Gold Coast Funding team. I am very grateful for all they did to help my family and I purchase our first home.
Ann Marie L.
The process was seamless. They answer any and all questions and always make you feel well informed throughout. They are the best company I have dealt with and treat you like family. I would recommend them to friends, family and business associates without hesitation.
Mary P.
Joe and Al at Gold Coast Funding, Inc were instrumental with my recent home purchase. I initially used another company for my mortgage but after 5 long months and no loan approval I called Gold Coast Funding. Within 4 weeks I became a home owner. Chris, the loan processor, was also very professional and pleasant; he was very patient and promptly answered all my questions and he kept me abreast of the whole process. I highly recommend Gold Coast funding.
Kristina Frantz
They made the impossible possible! Al and Joe were amazing and quick to sort through issues and provide solutions. Their team is great too. If we refi or purchase ever again, they will be my first call.
A & R Maximus
Joe, Al and Girleann are an absolute POWER team. They helped us secure financing in the purchase of 2 very complicated properties and they got both deals without even blinking an eye. We couldn’t have done it without them. We were incredibly impressed with their knowledge, efficiency and ability to close on time, no matter how intricate and challenging the nature (and location) of the houses were. Hands down, these guys are the best in the business. It was an honor to work with them.
Isaiah Ajala
This was my first time working with Gold Coast Funding but it certainly wont be my last as a realtor. They delivered on time, on a tight schedule making my clients dream come a reality!
Felecia Manning
HIGHLY RECOMMEND!!!!!! Joe Spinelli and the entire team at Gold Coast Funding are stupendous. My friend introduced me to Joe couple years ago, and it’s been years after that I actually was ready to purchase my home and Joe kept the same positive energy from when I first saw him until this day… Joe defines professionalism and a true meaning of a business man. Closed 12/4/2018
Inbar Dayan
Empire Home Sales Inc has had nothing but superb results from Joe and his team; we are in the business for over 25 years, and Joe’s service is as good as it gets. Plus he won’t take a deal unless he knows it will close. His honesty and performance are hard to find these days.
Yotam Dahan
I would recommend Gold Coast Funding to any potential clients who are interested in purchasing a home. I am an agent myself and have done quite a few deals with Joe Spinelli. its always a smooth transaction and closes fast.
Rhett D, Wilton, Connecticut
Denise Nolan and her team are exceptionally skilled, knowledgeable, thorough and clearly devoted to outstanding customer service. They were always available to answer questions, explain every step of the process in detail and in terms which we understood fully and really went above and beyond to meet our needs.
Magdalena D, Williamsburg, Brooklyn
From beginning to end the experience of working with Denise Nolan and her team was an absolute pleasure! Everyone at the company had exemplary customer service skills, extensive knowledge of the subject matter and industry, and delivered exceptional results – all of our questions were answered quickly and thoroughly, our unique circumstances were handled skillfully and respectfully, and I strongly recommend working with Gold Coast Funding if you want quality results!
Chris S.
Joe and Gold Coast Funding are tremendous to work with. I had been looking at homes for the last couple of years and had a unique situation. I had been promised many things by other mortgage companies that never materialized. Joe and his team delivered on every promise in a timely manner. The closing of my loan was very smooth and would highly recommend Gold Coast Funding.
Sean K.
Excellent communication and service, Gold Coast Funding made the impossible seem like cake. My team there did everything to make it easy for me to get my loan and were always a call away, and on top of any urgent task immediately.
Dan B.
Having closed multiple deals with Al Saad at Gold Coast Funding I can honestly say the speed, communication, and knowledge are impeccable. These are all key components in Real Estate transactions and having someone on your side that works the way he does can make the difference between landing your dream home and having the entire deal fall apart.
Aljamain S.
Joe took care of me and walked me through the entire mortgage loan process. The main thing I liked was the explanation of what everything was, that I asked about. Buying a home can be scary because of all the “bank lingo”, but Joe helped breaking everything down. The entire staff over at Gold Coast Funding were very responsive and easy to get a hold of via phone or email! I had a little hiccup along the way with my potential home, and Joe and his crew helped smooth everything out so that we were able to close. Joe is a closer and gets the job done!
Jim R.
The team at GCF made my first time home purchasing experience stress free and educational. They explained all the steps in the mortgage process in detail and provided me with advice that will help secure the future of our growing family.
I have recommended GCF to many friends and family members with confidence, they have all received the same knowledgeable and professional experience that we did.
Thank you GCF and anyone reading this should feel free to contact me for a honest and appreciative referral.
Regards, The Richardt Family
Shannon S.
We recently closed on our new house and could not be happier with the service and support from Denise and her team at Gold Coast. Buying a home can be stressful, but Gold Coast was there with us every step of the way to answer any question and reassure us that we were in good hands. Thank you Gold Coast!
Joseph O.
Joe and the team at GCF are the best. Made my mortgage process seamless. A quick turn around time and a terrific rate.
Phil S.
Joe Spinelli and his team were able to do the impossible. We bought an investment property in Brooklyn and They were able to provide us with a $950,000 loan. Thanks for all your hard work!!
Daisy V.
Joe gets it done! My mortgage needs was a unique one, and after getting sidelined by some major banks, he was able to use his relationships to help build a product that suited my needs exactly. He’s professional and definitely on your side. Highly recommended.
Nik R.
Denise and her team at Gold Coast Funding went above and beyond for us. Their customer service and communication is exceptional. We ran into several issues with two banks before we were introduced to GoldCoast. When we met Denise, we were due to close in 2 weeks and they made it happen!!! GoldCoast got us the best rates in the market and worked seamlessly throughout the process. They are extremely diligent and on top of things. Denise was involved in every stage of the process and was available at anytime to answer questions or concerns, even outside of working hours.
Ang P.
I am a first time home buyer and Gold Coast Funding was terrific to work with. Denise consistently showed professionalism throughout my entire experience. She was always available to speak with me and really assisted me throughout the entire process; always very prompt at returning phone calls and emails whenever I had any questions. Good product offering with very competitive rates! I highly recommend Gold Coast Funding and Denise Nolan.
Claire M.
Thank you Denise at Gold Coast Funding for absolutely everything you have done in helping us pursue our dream home. The communication, professionalism and efficiency throughout the whole process was above and beyond and because of you we are proud homeowners. Thank you so much once again. We are forever grateful for your service. Excellent customer service from start to finish , closed on time and definitely will recommend to my family and friends!
Justine L .
If I could leave 10 stars, I would. I have been a real estate agent for 6 years and Joe Spinelli has always come through for my clients. He always has mortgage options to offer for people, even when other banks say no. He works hard to find a way to get every deal done. He is so passionate about his job, completely devoted to his clients, and more responsive than I thought possible. I have worked with him countless times and he always, always gets the deal done. I can’t possibly recommend him more highly!
LA P.
I would highly recommend Gold Coast Funding to anyone that is looking to purchase and/or refinance their home. Denise Nolan is wonderful! She is extremely knowledgeable, friendly and so helpful. She did a great job advising us throughout the process and she gets the job done!
YOGI R.
I am a first time home buyer and I had tried other banks and I found that Joe Spinelli and his team were the best. Joe was very knowledgeable and patient with me, I had lots of questions. Al Saad was very helpful. Denise walked me through everything. They keep in constant contact with you. They are a very respectful team and I highly recommend them. Thank you GOLD COAST TEAM!!!!
David K.
First time home buyer ! Got my commitment letter after 7 days home closing in 29 days! Thanks to Joe and his team they are PRO!
Amarel W.
When Denise and Joe took me up as a client, I immediately felt that I was in good hands. They have the experience and knowledge to understand my needs and the creativity to come up with a tailored solution and the best loan.
The experience is such that you feel taken care of, that they are there for you, and do not give up until you get your loan.
Denise and Joe are very professional and well connected, able to secure loans even in challenging situations.
boris s.
This was my first experience with Joe, however in my 14 years of practicing Real Estate and I am a real estate broker, I have not met someone with that much knowledge, experience but most importantly Skills to get things done with a commitment in 7 daysand a 29 day closing…. better yet when I was negotiating and there were 5 other offers with ours being not most favorite, it was due to his experience and bulldog personality that we got this deal and that was just the beginning.! Excellent experience..!!
Erin P.
As a Brooklyn real estate agent, I meet tons of mortgage lenders. There is no one that I trust more than Joe. I have known him for years, he has always been honest, straightforward, hard working, and quick to respond to me and my clients. He keeps me in the loop on the deals we do, which is instrumental in helping me provide the best service for my clients. I cannot recommend Joe more highly!
Amanda b.
Gold Coast Funding was excellent to work with. We were buying our first house and everything was quick and easy. Al answered all of my questions quickly and we got a great rate!
chris P.
Al did a phenomenal job I couldn’t be more pleased. He closed my deal in weeks after I almost lost the house due to the first bank I was using. I can’t say how thankful I am to have been recommended to gold cost. They worked around the clock and it paid off for my family and I. BIG THANKS AGAIN FOR GETTING IT DONE !!!!
Kerri C.
This was my second time going through a mortgage process as I was looking to refinance. I had originally gone back to my previous lender and was not comfortable with the way my questions were being answered. Joe and his team were recommended to me by a close relative so I gave him a call. From the moment we spoke through the entire process I felt confident that I was dealing with the correct firm. Joe and Al both took the time on several occasions to answer all of my questions and ensure that I was comfortable with the answers. The professionalism in which they operate is of the highest caliber and I strongly recommend them to anyone looking to fund. I will be recommending them to friends, colleagues and family as well. Excellent and seamless experience and this is exactly how business should be done!
James B.
Denise and the GCF Team are the absolute best. They have done 2 mortgages and 1 refinancing for me in the past 3 years. They are the best I have ever worked with! Very professional and HONEST! They have made getting a mortgage very stress-free and as easy as possible. I recommend them to all of my friends and business associates and the have used their services too. They feel the same way as I do. Gold Coast Funding is #1 in my book!
Mela S.
Joe and the entire Gold Coast Funding team made me feel confident as a first time home buyer. They were always ready to talk and help with any questions I had. Very professional experience overall.
Domaine S.
I am so amazed of the hard work and dedication the Gold Coast family implemented on getting my file closed. I so thank you guys so much. I highly recommend Gold Coast Funding Inc.
Samer K.
I refinanced my home with Gold Coast and worked with Al and Joe. Can’t thank these guys enough, they’re agile and dynamic as well as highly resourceful. They got me a great deal and were always highly professional. I will work with them again and i highly recommend them!
Misha S.
Joe walked me through the process of obtaining a mortgage from start to finish. He was helpful, insightful, and expedited everything seamlessly. Couldn’t have done it without you! Thank you!
Steve H.
My experience with Gold Coast funding was top notch. Denise Nolan handled my closing and was a true professional. She closed in 30 days from the day of my accepted offer and did it without a hiccup. I will be recommending them to my friends family and coworkers.
Simon R.
They worked with us in a difficult situation and got our deal closed. Super responsive and efficient. Thank you. I would recommend them for sure
David C.
As a realtor, I have worked with many mortgage brokers over the years. The guys over at GCF are the best of the best. Thanks again Al!!!
Elissa B.
Such a great company to work with. Very professional and warm. I would highly recommend.
Mary P.
Joe and Al at Gold Coast Funding, Inc were instrumental with my recent home purchase. I initially used another company for my mortgage but after 5 long months and no loan approval I called Gold Coast Funding. Within 4 weeks I became a home owner. I highly recommend Gold Coast funding.
Misha P.
Joe walked me through the process of obtaining a mortgage from start to finish. He was helpful, insightful, and expedited everything seamlessly. Couldn’t have done it without you! Thank you!
Peter M.
Joe and his team of professionals worked tirelessly throughout the Loan process and found the best program with the lowest interest rates and closed on time; when other loan officers failed to get me approved. Thank you!
OUR PROCESS
Let’s Get Started
STEP 1
Let’s Discuss Your Goals
Before we get started, we’d love to learn more about you and where you’d like to be.
STEP 2
Get Your Pre-approval
We will thoroughly review your credit, income, assets and set the parameters for which you will qualify.
STEP 3
Time To Make It Happen!
Now that we’ve set your parameters, and determined your comfort zone it’s time to go shopping and find the right property.