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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

As a Local, I have been honored to spend the last 2 decades assisting families in Panama City to achieve their homeownership dreams.   Whether I am working with a Veteran, a First Time Homebuyer, or a Condominium Investor, my job is to look out for your financial well-being, because your best interest and happiness are my top priority.   

When I’m not working, I am blessed to spend time with our extended family - enjoying the water, sporting events or spending time with my four legged kids.  

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
Manufactured homes

Manufactured homes

Manufactured or CrossMod homes feel just like traditional, site-built homes. Fannie Mae’s MH Advantage® or Freddie Mac’s CHOICEHome programs create more flexible, affordable and innovative home options if you’re interested in purchasing a custom manufactured home with the look and feel of a traditional home. These can include many of the same amenities like garages, car ports, porches, decks and more.
VA

VA

If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.91 out of 5.0 stars
5.0
4.92
5.0
michelle m
Feb 18, 2025
Verified

Kathy Hallmon was amazing and wonderful. The best experience was amazing .
Michelle
Feb 18, 2025
Chipley, FL
Verified

Kathy Hallmon was absoultely amazing . Everything about the experiance was wonderful.
Allison M
Jan 28, 2025
Verified

I have had the pleasure of working with Kathy on two separate occasions, and both times, she has exceeded my expectations. Her expertise and dedication are truly exceptional, and I’ve confidently recommended her to several others. Kathy is incredibly responsive, thorough, and always delivers outstanding results. I highly recommend her without reservation!
Allison
Jan 27, 2025
Youngstown, FL
Verified

I had a great experince because of Kathy Hallmon. She always answers any and all questions of have no matter the time of day.
Spencer P
Dec 17, 2024
Verified

I could not have been happier with the result working with Guild Mortgage. Kathy Hallmon was my primary point of contact and was incredible. This was my first time buying a home but I felt very confident and Kathy explained everything very simple and clear.
Spencer
Dec 16, 2024
Greenville, FL
Verified

Kathy Hallmon and Kathy Hines were my contacts throughout the home buying process. Kathy Hallmon was incredible and helped me feel confident buying a home for the first time. Kathy Hines was also great and made everything easy. Could not have been happier with how everything worked out. I have already been recommending you guys to my friends and family. Keep up the hard work!

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #754318
I am authorized to do business in the state of Florida.