Jeff Gay, Senior Loan Officer Crosscountry Mortgage NMLS #455860

Jeff Gay, Senior Loan Officer Crosscountry Mortgage NMLS #455860 Personal NMLS455860
Branch NMLS2775332
Company NMLS3029 I’m Jeffry W.

Gay, a senior loan officer with a passion for helping families achieve the dream of homeownership. I began my mortgage career in 2004 after retiring from 20 years in the United States Air Force, where I proudly flew with important government officials and other VIPs. That same commitment, precision and service now define how I guide clients through the mortgage process. I specialize in VA loans, helping Veterans and Active-Duty Service Members maximize their hard-earned benefits. I also assist clients with conventional, FHA, refinance and purchase home loans, always going above and beyond to deliver a smooth, reliable closing experience. Known for my motto, “Smoking Bones and Closing Loans,” I bring creativity, dedication and value to every transaction — sometimes even celebrating with award-winning BBQ at closing. Outside of home financing, I’m a world-champion pitmaster, musician, DJ, golfer, proud grandfather of seven and lifelong Dallas Cowboys fan.

06/30/2026

How do active servicemembers find homes before they land for a PCS?

I called one of the top VA realtors I know and asked her how she does it. She's helped over 36 veterans find the right home before they even land in their new location.

For educational purposes only. Examples discussed are illustrative and not typical. Rates and terms vary based on borrower qualifications and market conditions. Eligibility and structure depend on borrower intent, occupancy requirements, and underwriting guidelines. Not a commitment to lend. Equal Housing Opportunity. NMLS3029. NMLS 455860

CrossCountry Mortgage, LLC is not affiliated with or acting on behalf of or at the direction of the Veteran Affairs Office or any government agency. Certificate of Eligibility required for VA loans.

05/11/2026

Get those home renovations done that you’ve been wishing for.

Here’s how: Throughout May and June there’s an opportunity to get $1000 lender credit for something called a VA renovation loan.

Now what this means is that there’s a special program for veterans, active duty service members, and certain family members (explain which family members here) where they can get money to fix up their home for $0 out of pocket, which is unheard of.

And the reason why now is an insanely good time to do it, is that an additional $1000 will be discounted on any fees that you’d normally have to pay a lender.

Don’t wait on this one, and if you want more info about it, comment “CREDIT” and I’ll help you see if you qualify.

For educational purposes only. Examples discussed are illustrative and not typical. Rates and terms vary based on borrower qualifications and market conditions. Eligibility and structure depend on borrower intent, occupancy requirements, and underwriting guidelines. Not a commitment to lend. Equal Housing Opportunity. NMLS3029. NMLS 455860

CrossCountry Mortgage, LLC is not affiliated with or acting on behalf of or at the direction of the Veteran Affairs Office or any government agency. Certificate of Eligibility required for VA loans.

04/07/2026

This can build you generational wealth, it's the smartest use of the VA Loan I've ever seen.

Here's what I've seen some servicemembers doing lately:

They're using a VA Construction Loan to buy either:
- A fixer upper
- A plot of land

Using that to build a multi-unit property. They live in one and rent out the others. If done right, this can cover the entire monthly payment.

On top of that, if you PCS, you can do it all over again in your new location. This is a once in a lifetime opportunity for veterans and active service members.

That's $0 down and turning it into an income property that you can own outright.

DM me "build" if you want to do this.

If you're asking:
- What's the best VA benefit?
- What can I get as a veteran?
- How can I make money in the military?
- What are good jobs for veterans?

This is a great answer for you.

For educational purposes only. Examples discussed are illustrative and not typical. Rates and terms vary based on borrower qualifications and market conditions. Eligibility and structure depend on borrower intent, occupancy requirements, and underwriting guidelines. Not a commitment to lend. Equal Housing Opportunity. NMLS3029. NMLS 455860

CrossCountry Mortgage, LLC is not affiliated with or acting on behalf of or at the direction of the Veteran Affairs Office or any government agency. Certificate of Eligibility required for VA loans.

04/06/2026

I had to look into this, here’s what I found 👇

This vet DM’d me asking if he could use a VA loan to buy land and build a fourplex on it.

I’d never been asked this before so I had to look into it.
Turns out, there’s such a thing as a VA construction loan and Veterans can get up to $1M to buy and build multi-unit buildings (as long as they live in one of the units for at least a year).

But after that, they can move out and turn the property into a pure income property.

I’d never heard of people doing this, so I had to call some people to make sure it’s possible, but it turns out it is.

If you’re eligible, No Downpayment required.

If you want to see how to do this for yourself, comment or DM me “build” and I’ll walk you through it.

For educational purposes only. Examples discussed are illustrative and not typical. Rates and terms vary based on borrower qualifications and market conditions. Eligibility and structure depend on borrower intent, occupancy requirements, and underwriting guidelines. Not a commitment to lend. Equal Housing Opportunity. NMLS3029. NMLS 455860

CrossCountry Mortgage, LLC is not affiliated with or acting on behalf of or at the direction of the Veteran Affairs Office or any government agency. Certificate of Eligibility required for VA loans.

03/31/2026

Active servicemembers can do this
too 👇

This vet DM’d me asking if he could use a VA loan to
buy land and build a fourplex on it.

I’d never been asked this before so I had to look into
it.
Turns out, there’s such a thing as a VA construction
loan and Veterans can get up to $1M to buy and build
multi-unit buildings (as long as they live in one of the
units for at least a year).

But after that, they can move out and turn the property
into a pure income property.

I’d never heard of people doing this, so I had to call some people to make sure it’s possible, but it turns out it is.

If you’re elligible, No Downpayment required.

If you want to see how to do this for yourself, comment or DM me “build” and I’ll walk you through it.

For educational purposes only. Examples discussed are illustrative and not typical. Rates and terms vary based on borrower qualifications and market conditions. Eligibility and structure depend on borrower intent, occupancy requirements, and underwriting guidelines. Not a commitment to lend. Equal Housing Opportunity. NMLS3029. NMLS 455860

CrossCountry Mortgage, LLC is not affiliated with or acting on behalf of or at the direction of the Veteran
Affairs Office or any government agency. Certificate of Eligibility required for VA loans.

03/28/2026

I had to look into this, here’s what I found 👇

This vet DM’d me asking if he could use a VA loan to buy land and build a fourplex on it.

I’d never been asked this before so I had to look into it.

Turns out, there’s such a thing as a VA construction loan and Veterans can get up to $1M to buy and build multi-unit buildings (as long as they live in one of the units for at least a year).

But after that, they can move out and turn the property into a pure income property.

I’d never heard of people doing this, so I had to call some people to make sure it’s possible, but it turns out it is.

If you’re eligible, No Downpayment required.

If you want to see how to do this for yourself, comment or DM me “build” and I’ll walk you through it.

For educational purposes only. Examples discussed are illustrative and not typical. Rates and terms vary based on borrower qualifications and market conditions. Eligibility and structure depend on borrower intent, occupancy requirements, and underwriting guidelines. Not a commitment to lend. Equal Housing Opportunity. NMLS3029. NMLS 455860

CrossCountry Mortgage, LLC is not affiliated with or acting on behalf of or at the direction of the Veteran Affairs Office or any government agency. Certificate of Eligibility required for VA loans.

03/27/2026

I had to look into this, here’s what I found 👇

This vet DM’d me asking if he could use a VA loan to buy land and build a fourplex on it.

I’d never been asked this before so I had to look into it.

Turns out, there’s such a thing as a VA construction loan and Veterans can get up to $1M to buy and build multi-unit buildings (as long as they live in one of the units for at least a year).

But after that, they can move out and turn the property into a pure income property.

I’d never heard of people doing this, so I had to call some people to make sure it’s possible, but it turns out it is.

If you’re elligible, No Downpayment required.

If you want to see how to do this for yourself, comment or DM me “build” and I’ll walk you through it.

For educational purposes only. Examples discussed are illustrative and not typical. Rates and terms vary based on borrower qualifications and market conditions. Eligibility and structure depend on borrower intent, occupancy requirements, and underwriting guidelines. Not a commitment to lend. Equal Housing Opportunity. NMLS3029. NMLS 455860

CrossCountry Mortgage, LLC is not affiliated with or acting on behalf of or at the direction of the Veteran Affairs Office or any government agency. Certificate of Eligibility required for VA loans.

Address

6901 Professional Pkwy E #257
Sarasota, FL
34240

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Monday 12am - 10pm
Tuesday 12am - 10pm
Wednesday 12am - 10pm
Thursday 12am - 10pm
Friday 12am - 10pm
Saturday 12am - 10pm
Sunday 12am - 10pm

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