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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
4.92 out of 5.0 stars
5.0
4.93
5.0
Jasmine
Apr 12, 2025
Verified

Kathy and another loan officer were recommended by the realtor. Kathy did a great job finding and offering creative financial solutions. I appreciate the time she took to explain concepts and processes.
Vianah
Mar 31, 2025
Youngstown, FL
Verified

Hands down, one of my best experiences working with a lender. Kathy is so efficient, accurate, and creative that it made the buying process easy. I would 100% recommend her!
Laurie M
Mar 31, 2025
Verified

Kathy was a true pleasure to work with. She was organized and on top of it! Very helpful experience. You know she cares because she was there at the closing to answer any questions!
Mary
Mar 17, 2025
Lynn Haven, FL
Verified

Kathy was amazing! She went above and bein beyond to help us.
Lee Ann S
Mar 17, 2025
Verified

Kathy Hallmon is very knowlegeable, efficient and willing to go above and beyond for her clients and was amazing with communication to me as the buyer's agent!
Lee
Mar 17, 2025
Lynn Haven, FL
Verified

Kathy was very efficient, timely, easy to work with and got us ready to close in literally just over two weeks!!

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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.