Meet Our Loan officer Jerome Cozart
Whether you're a first-time homebuyer or looking to refinance, our team of experienced professionals is here to guide you through every step of the process.
Whether you're a first-time homebuyer or looking to refinance, our team of experienced professionals is here to guide you through every step of the process.
Mortgage Guidance Support
Jerome Cozart helps buyers, homeowners, and investors navigate purchase, refinance, and construction loans with clear advice, practical tools, and consistent communication throughout the process.
Broad Loan Options
He provides access to VA, FHA, USDA, Conventional, JUMBO, renovation loans, and select grant programs, helping borrowers identify financing aligned with their needs and long-term plans.
About Jerome
Get To Know Me
Detail-Driven. Client-Focused. Experienced.
Quality You Can Trust
Jerome approaches every loan decision with families in mind, understanding how financial choices affect daily life and long term plans. He prioritizes careful listening, clear explanations, and steady communication, helping borrowers feel supported while navigating purchase, refinance, or construction decisions that impact their household goals today and tomorrow with clarity.
In the ever-changing landscape of home financing, Jerome Cozart stands out for quality and integrity you can trust. As a dedicated mortgage professional, he has earned a reputation built on transparency and reliability. Jerome Cozart is committed to providing clients with a smooth mortgage experience. Past clients and industry professionals’ credit Jerome Cozart as the gold standard for how the mortgage process should happen. When homebuyers choose Jerome Cozart, they are choosing a partner committed to the highest level of service.
Lender for Life
Jerome specializes in guiding buyers and homeowners through VA, FHA, FHA 203K, USDA, Conventional, and JUMBO loan programs. He evaluates each scenario carefully, explains available options plainly, and aligns financing solutions with personal goals, timelines, and long term plans across changing market conditions from application through closing.
Jerome Cozart is not focused on a single transaction; the goal is to be a Lender for Life, guiding clients through every stage of their homebuying journey, from the first starter home to forever home. This focus on long-term partnership means clients receive proactive advice on when to refinance, how to leverage home equity for renovations, and strategic planning for investment properties. Jerome Cozart’s consistent communication, annual mortgage reviews, and commitment to personalized service are why the majority of his business comes from happy, returning clients.
Commitment to Communication
Jerome’s legacy is built on long term relationships, repeat clients, and steady referrals earned through clear advice and follow through. He aims to remain a reliable resource beyond closing, supporting homeowners as needs evolve and helping families make informed decisions throughout every stage of ownership over time.
Jerome Cozart understands that the most stressful part of the buying process is the mortgage. Jerome Cozart makes a personal commitment to clear, consistent communication from day one. As a dedicated Southern Trust lender, Jerome Cozart utilizes an advanced mobile app to provide real-time status updates and secure portal for required documents. Both clients and their real estate agents know exactly where the loan stands and what will happen next. He excels at being a true guide, anticipating client questions and delivering critical information timely, to not cause any closing delays.
Resources
See how our clients achieved their homeownership goals with us.
We've based our home loan process on empathy for our home buyers and their agents.
Estimate your monthly payment and apply with confidence!
Discover loan options tailored to your needs and start your journey with confidence.
When buying a home, there are many documents you'll need to provide to your Mortgage Loan officer.
What Makes Us Stand Out
With decades of experience and thousands of loans closed, we deliver proven results through competitive rates, streamlined processing, and expert guidance tailored to every homeowner’s needs.
Testimonials
Hear From Our Clients
See how our clients achieved their homeownership goals with us.
Wes and team were very helpful during our first time buying a home. They provided clear guidance through the whole process and responded quickly to all our questions and concerns. Together we were able to close quickly on our first home and as a military family! Very thankful for this team and all their help on this new chapter!
Thank you so much for working with us throughout the process of purchasing our new home. Your expertise, patience, and dedication made this journey not only smooth but truly enjoyable. We couldn't have asked for a better Loan officer to guide us through such an important milestone in our lives.
Kip and his team did a great job from start to finish. Kip answered my questions in a timely manner, even after working hours. Thank you again.
Mortgage Loan Officer
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From Dreams to Keys
Whether you're a first-time homebuyer or looking to refinance, our team of experienced professionals is here to guide you through every step of the process.
