Explore Your Mortgage Options.
When it comes to home ownership, there are lots of options. Luckily, our mortgage lending experts can help you determine which is best for you.
Summary
- Several convenient home mortgage options and programs available
- Competitively low rates across the board
- Flexible terms to fit you and your family
- Local Tallahassee home equity loan decisions
- Dedicated service to see you through the home-buying process
- Plus, we can also help you refinance your home!
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Conventional Fixed Rate Mortgage
A conventional mortgage is best for well-qualified borrowers that have the ability to make a down payment. This mortgage loan has a fixed interest rate and stable monthly payments.
- Competitive rates
- Flexible terms to fit your financial needs
- Local decision making
- Banking experts to walk you through the home-buying process
Adjustable Rate Mortgages
An Adjustable Rate Mortgage (ARM) is a home loan with an interest rate that can change periodically. This mortgage solution may be a good fit for homebuyers or current homeowners who plan to move within a few years.
- Lower starting interest rate
- Fixed-rate term for 3, 5 or 7 years
- Caps on potential adjustments thereafter
- Local decision-making
- Mortgage experts to walk you through the home-buying process
Jumbo Loans
Jumbo loans provide financing opportunities for high-priced or luxury homes. This is ideal for loan amounts over $806,500 for conventional loans; $524,225 for FHA loans.
- Loan amounts up to $3,000,000 on primary residences for well-qualified borrowers
- Available in a variety of fixed rate terms or 5/1 or 7/1 Adjustable Rate terms
Construction-to-Perm Financing
When you're ready to start building, contact us, and one of our construction-to-permanent loan experts will walk you through the details. Also known as construction-to-perm, this type of loan is used to finance the construction of a home. When the home is complete, it converts into a permanent mortgage loan. The process is similar to the standard home loan process. As with a standard mortgage, you'll need to have the appropriate down payment and funds to cover the closing costs. This mortgage loan has a fixed interest rate and stable monthly payments.
- Competitive rates
- Flexible terms to fit your financial needs
- Local decision making
- Construction-to-Perm experts to walk you through the process
FHA Loans
FHA Loans are insured by the Federal Housing Administration and offer a wide range of flexibility for borrowers.
- Minimum credit score of 620
- Minimum down payment of 3.5%
- Mortgage insurance requirement of 1.75% upfront (financed) and 55 bps monthly
- Seller contributions allowed up to 6%
VA Loans
If you are a service member, veteran, spouse or other beneficiary, you may be eligible for a VA Loan. This loan can be used to buy or refinance a home or mortgage loan.
- Minimum credit score of 620
- No down payment required
- No private mortgage insurance (PMI)
- Seller contributions allowed up to 4%
- Escrow required
USDA Loans
USDA Home Loans are available in designated rural areas for low- to moderate-income borrowers.
- Minimum credit score of 640
- No down payment required
- Mortgage insurance requirement of 1.00% upfront (financed) and 35 bps monthly
- Seller contributions allowed up to 6%
- Escrow required
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All loans subject to credit approval.
Financial Statement Forms
Track financial health with the Personal Financial Statement spreadsheet.
Meet Your Lenders

Laura Jo Hewitt
Vice President, Mortgage Lending Manager
NMLS #775253
Phone: (850) 907-2344
Specializes In: Home Mortgages, Construction Perm Loans

Christie Powis Homola
Senior Mortgage Loan Officer
NMLS #658187
Phone: (850) 907-2334
Specializes In: Home Mortgages, Construction Perm Loans

April Brueckheimer Dean
Senior Mortgage Loan Officer
NMLS #1303118
Phone: (850) 907-2338
Specializes In: Home Mortgages, Construction Perm Loans

Lisa Munroe
Mortgage Loan Officer
NMLS #1958829
Phone: (850) 556-5906
Specializes In: Home Mortgages, Construction Perm Loans

Rebecca Bollmann
Mortgage Loan Officer
NMLS #2537259
Phone: (850) 907-2336
Specializes In: Home Mortgages, Construction Perm Loans