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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
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!
Venus
Dec 16, 2024
Greenville, FL
Verified

Always a smooth transaction when working with Kathy.
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 ,

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Awards

Causes I'm
passionate about

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