Kathy Hallmon

Loan Officer

NMLS# 754318

3208 West 23rd Street, Unit 2,
Panama City, FL 32405

(850) 381-1833

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Building trust, one borrower at a time.

Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

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.

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.

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 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.

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