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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
5.0 out of 5.0 stars
5.0
5.0
Sandra S
Oct 16, 2023
Verified

Extremely personable and Professional Kept me updated at least weekly if not more where we were in the process attended closing and was available for questions HIGHLY recommend Ms. Hallmon and Cardinal Financial
BT 1
Jul 26, 2023
Verified

Kathy H was great, caring and knowledgeable. She helped me through my journey looking at manufactured homes, new construction builds and finally the house I purchased. Would recommend Kathy to anyone!! Thank you.
Mary H
Jun 14, 2023
Verified

Kathy hallmon was great , she was always available to answer questions whenever I needed her ,
rachel s
Apr 19, 2023
Verified

My husband and I never thought purchasing a home could ever be possible for us, it seemed so far out of reach. It’s a scary process from start to finish but Kathy truly worked miracles for us and made everything easy. She made us feel confident from the beginning, answered all of our many questions and responded quickly. Being that we are first time homebuyers we had no idea what to expect let along know anything about purchasing a home so Kathy really did well explaining everything to us in a way we could understand. We couldn’t have done this without her and forever grateful! Highly recommended!
zuser20150728045637669
Oct 08, 2020
Verified

They did a phenomenal job getting us into our new home. The loan closed exactly as planned. Est. time frame 45 days. Her team was awesome, kept me informed every step in the process.I was referred to Caliber Home Loans by a realtor. The process was quick and easy. The agents are friendly and had time for all my first-time questions and even though we could not meet, face to face A LOT was accomplished over the phone, and through email. I would recommend them to anyone, Kathy Hallmon was the Loan Consultant we spoke to first & Heather Rodgers - Production Assistant was the in-between loan officer.We had a very pleasant experience with Caliber Homes through our whole home buying process. We would highly recommend them to anyone looking to finance a home. We received quick responses and felt that our questions were answered well. The process was smooth.

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