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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
Venus
Jul 03, 2025
Quincy, FL
Verified

I have worked with Kathy many times and she is amazing. So knowledgable, honest, kind, and ethical. She really cares about her clients. I work with a lot of lenders and I have never had a better experience than I do with Kathy. Do yourself a favor and use her to services to buy a home.
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!
michelle m
Feb 18, 2025
Verified

Kathy Hallmon was amazing and wonderful. The best experience was amazing .
Jonah
Jul 03, 2025
Quincy, FL
Verified

Kathy Hallmon was so amazing to work with. She answered her phone every time we called. She would respond to text messages quickly. She continuously sent us update emails to view our progress and she was very good about answering any questions we had. It was a pleasure to have her as a loan officer. Highly recommend.
Venus D
Jul 03, 2025
Verified

Amazing lender! I have clients come to me pre-approved through Kathy Hallmon and it's always been a great experience. I work with lots of different lenders and she is the best hands down. I'm always relieved when I see her name as the lender because I know the client is with someone that cares, knowledgeable, ethical, and professional. Do yourself a favor and use her services to purchase your next home.
Edward
Jun 24, 2025
Panama City Beach, FL
Verified

Kathy made this whole home buying experience a breeze and a joy to go through!! i I would recommend this company to anyone and everyone who I know who is interested in buying a home. thank you for All the help Kathy!!

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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.