Bolivar Peninsula & Crystal Beach’s Only Local Full-Time Lender

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Gulf Coast Home Loans was born out of frustration — the kind many buyers feel but few lenders truly understand.
Bruce Cline came to lending after a terrible experience trying to buy his own home as a self-employed borrower. After eight years as a real estate agent, he made the move into lending to help buyers and sellers navigate the process with clarity, honesty, and fewer surprises.
After years in the DFW area, Bruce and his wife Kristi relocated to the Bolivar Peninsula in 2022 and founded Gulf Coast Home Loans — where Bruce is both the owner and your local lender.
As Bolivar Peninsula / Crystal Beach, TX only local full-time lender, we specialize in solving problems that stop deals at big banks and call centers.
From first-time buyers and self-employed borrowers to investors, retirees, and coastal homeowners, we shop over 275 wholesale lenders to find the right solution — not just the easiest one.
Whether it’s Conventional, FHA, VA, USDA, Non-QM, DSCR, HELOCs, or Reverse Mortgages, our focus is matching the right loan to the right borrower.
No call centers. No scripts. No guesswork.
We believe lending should be straightforward, educational, and transparent. That means clear communication, realistic expectations, and proactive problem-solving from application to closing.
As the only full-time local lender based on the Bolivar Peninsula, we take a hands-on, relationship-first approach — because this isn’t just where we work. It’s where we live.




Through your application, we are able to learn even more about your specific circumstances. This helps us to keep things moving with your loan process. We will even be able to give you a better idea of what you're able to spend on your new home.

We’ll need your help on this part. Certain documents are critical to have in order to keep your home loan moving. Please provide these as quickly as possible when the request comes through to avoid delays. If you’re unsure about a request, your Loan Officer comes in handy and can help guide you through.

We have two great options for Underwriting. We can approve you for a loan prior to even getting a contract on a home which is our “Fast Pass”. That will allow you to show an “Approval Letter” to the Sellers instead of just a “PreApproval Letter". That option gives you a much better chance to win an offer and means we just need an Appraisal and Title work.
Option 2 - UpFront Underwriting, where we take your documents/loan application and get your loan into underwriting within 24 hours on average and issue an approval on the loan. This option is needed if you apply and get a contract to purchase a home within the same day of us issuing you the PreApproval Letter. Most mortgage companies do not submit your loan to Underwriting until 2 to 3 weeks into the process, so you really don’t know till then if your loan is truly approved. We take the guesswork out of it.

These are key components of buying a home, as well as financing one. We'll work hard to get these items scheduled and rolling as soon as possible.

Your NEXA Processor is part of the team that will get you to closing on time. They'll work closely with you and your Loan Officer to ensure everything needed for approval has been collected and you are prepared for closing!

All final conditions are cleared by the underwriter that you have sent in or uploaded. Then the Final Stamp of Approval is done and you are ready for Closing

Each step before this is taken so that you're completely prepared for your closing. We'll work with the Closing Attorney to let you know the exact amount you can expect to bring, as well as where to go and when. Once all the paperwork is signed, you'll walk away from the closing a happy homeowner!
NEXA Mortgage LLC Corporate Office
5559 S Sossaman Rd, #1-101 Mesa, AZ 85212
2080 Hwy 87, Crystal Beach, TX 77650
(866) 88 BRUCE (214) 729-2947
Monday - Friday: 9am - 6pm
Saturday: By appointment
Sunday: Closed

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Gulf Coast Home Loans
Copyright © 2025 Gulf Coast Home Loans - All Rights Reserved.
Gulf Coast Home Loans EMPOWERED BY NEXA Mortgage LLC COPYRIGHT ©2026
Corporate Office 5559 S Sossaman Rd, Building 1 #101 Mesa, AZ 85212
Company State License# AZMB - 0944059 | NMLS# 1660690 – NMLS Consumer Access Link:
https://nmlsconsumeraccess.org/TuringTestPage.aspx?ReturnUrl=/EntityDetails.aspx/COMPANY/1660690,
an Equal Housing Lender.
Texas Complaint and Recovery Fund Notice https://bit.ly/3B5pAfz
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