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Mortgage Loan Officers

Pick your city below and find a loan officer near you.








 

Bonifay

 
Regina Hargis-Williams

Regina Hargis-Williams, Senior Mortgage Loan Officer

Email: Hargis-WilliamsR@ffbf.com
Office: 850-526-7144 X3740
Cell: 850-573-6304
NMLS ID: #984014
Apply Here
Address:
300 North Waukesha Street
Bonifay, FL 32425
Directions
 
Debbie Moxley

Debbie Moxley, Senior Mortgage Loan Officer

Email: MoxleyD@ffbf.com
Office: 850-526-7144
NMLS ID: #546485
Apply Here
Address:
300 North Waukesha Street
Bonifay, FL 32425
Directions
 

Chipley

 
Regina Hargis-Williams

Regina Hargis-Williams, Senior Mortgage Loan Officer

Email: Hargis-WilliamsR@ffbf.com
Office: 850-526-7144 X3740
Cell: 850-573-6304
NMLS ID: #984014
Apply Here
Address:
1012 Main St
chipley, FL 32428
Directions
 
Debbie Moxley

Debbie Moxley, Senior Mortgage Loan Officer

Email: MoxleyD@ffbf.com
Office: 850-526-7144
NMLS ID: #546485
Apply Here
Address:
1012 Main St
chipley, FL 32428
Directions
 

Dowling Park

 
Donna Cox

Donna Cox, Mortgage Loan Officer

Email: CoxD@ffbf.com
Office: 386-755-0600 EXT. 3905
Cell: 386-205-1958
NMLS ID: #1124315
Apply Here
Address:
11035 CR 136
Dowling Park, FL 32060
Directions
 

Fernandina Beach

 
Sheryl Rowe

Sheryl Rowe, Mortgage Loan Officer

Email: RoweS@ffbf.com
Office: 904-321-2337
Cell: 904-219-6224
NMLS ID: #247534
Apply Here
Address:
1500 Sadler Road
Fernandina Beach, FL 32034
Directions
 

Gainesville

 
Mary Gardner

Mary Gardner, Mortgage Loan Officer

Email: GardnerM@ffbf.com
Office: 352-692-0724
NMLS ID: #449429
Apply Here
Address:
4200 SW 34th St #A
Gainesville, FL 32608
Directions
 
Yvette Weghorst

Yvette Weghorst, Mortgage Loan Officer

Email: WeghorstY@ffbf.com
Office: 352-215-4656
NMLS ID: #506522
Apply Here
Address:
4200 SW 34th St #A
Gainesville, FL 32608
Directions
 
Tom Word

Tom Word, Regional Sales Manager

Email: WordT@ffbf.com
Office: 352-317-2863
NMLS ID: #389520
Apply Here
Address:
4200 SW 34th St #A
Gainesville, FL 32608
Directions
 

Graceville

 
Regina Hargis-Williams

Regina Hargis-Williams, Senior Mortgage Loan Officer

Email: Hargis-WilliamsR@ffbf.com
Office: 850-526-7144 X3740
Cell: 850-573-6304
NMLS ID: #984014
Apply Here
Address:
962 8th Avenue
Graceville, FL 32440
Directions
 
Debbie Moxley

Debbie Moxley, Senior Mortgage Loan Officer

Email: MoxleyD@ffbf.com
Office: 850-526-7144
NMLS ID: #546485
Apply Here
Address:
962 8th Avenue
Graceville, FL 32440
Directions
 

Jacksonville

 
Photo Coming Soon

Barry Akin, Vice President,
Residential Retail Division Sales Manager

Email: AkinB@ffbf.com
Office: 904-398-7859, EXT. 3414
NMLS ID: #595255
Apply Here
Address:
9700 Philips Hwy, Suite 101 & 102
Jacksonville, FL 32256
Directions
 
Jen Chaney

Jen Chaney, Mortgage Loan Officer

Email: ChaneyJ@ffbf.com
Office: 352-215-4656
NMLS ID: #506522
Apply Here
Address:
9700 Philips Hwy, Suite 101 & 102
Jacksonville, FL 32256
Directions
 
Becky Cooper

Becky Cooper, Mortgage Loan Officer

Email: CooperB@ffbf.com
Office: 904-398-7859
NMLS ID: #546219
Apply Here
Address:
9700 Philips Hwy, Suite 101 & 102
Jacksonville, FL 32256
Directions
 
Wendy Hilton

Wendy Hilton, Area Sales Manager

Email: HiltonW@ffbf.com
Office: 904-398-7859
NMLS ID: #263101
Apply Here
Address:
9700 Philips Hwy, Suite 101 & 102
Jacksonville, FL 32256
Directions

 

Jasper

 
Donna Cox

Donna Cox, Mortgage Loan Officer

Email: CoxD@ffbf.com
Office: 386-755-0600 EXT. 3905
Cell: 386-205-1958
NMLS ID: #1124315
Apply Here
Address:
507 Hatley Street SW
jasper, FL 32052
Directions
 

Lake City

 
Robb Burns

Robb Burns, Area Sales Manager

Email: BurnsR@ffbf.com
Office: 386-754-7150
Cell: 386-438-9317
NMLS ID: #457332
Apply Here
Address:
2571 West US Hwy 90
Lake City, FL 32055
Directions
 
Cathy Lucius-Dortch

Cathy Lucius-Dortch, Mortgage Loan Officer

Email: DortchC@ffbf.com
Office: 386-755-0600 EXT. 3905
NMLS ID: #1124315
Apply Here
Address:
2571 West US Hwy 90
Lake City, FL 32055
Directions
 

Live Oak

 
Donna Cox

Donna Cox, Mortgage Loan Officer

Email: CoxD@ffbf.com
Office: 386-755-0600 EXT. 3905
Cell: 386-205-1958
NMLS ID: #1124315
Apply Here
Address:
804 South Ohio Ave
Live Oak, FL 32064
Directions
 

Macclenny

 
Cyndi Ray

Cyndi Ray, Area Sales Manager

Email: RayC@ffbf.com
Office: 904-259-9603
NMLS ID: #247531
Apply Here
Address:
784 South Sixth Street
Macclenny, FL 32063
Directions
 
Sheryl Rowe

Sheryl Rowe, Mortgage Loan Officer

Email: RoweS@ffbf.com
Office: 904-321-2337
Cell: 904-219-6224
NMLS ID: #247534
Apply Here
Address:
784 South Sixth Street
Macclenny, FL 32063
Directions
 
Wally Smith

Wally Smith, Senior Mortgage Loan Officer

Email: SmithW@ffbf.com
Office: 904-653-5402
Cell: 904-509-1607
NMLS ID: #597469
Apply Here
Address:
784 South Sixth Street
Macclenny, FL 32063
Directions
 

Marianna

 
Regina Hargis-Williams

Regina Hargis-Williams, Senior Mortgage Loan Officer

Email: Hargis-WilliamsR@ffbf.com
Office: 850-526-7144 X3740
Cell: 850-573-6304
NMLS ID: #984014
Apply Here
Address:
4701 Highway 90
Marianna, FL 32446
Directions
 
Debbie Moxley

Debbie Moxley, Senior Mortgage Loan Officer

Email: MoxleyD@ffbf.com
Office: 850-526-7144
NMLS ID: #546485
Apply Here
Address:
4215 Lafayette St
Marianna, FL 32446
Directions
 

Mayo

 
Donna Cox

Donna Cox, Mortgage Loan Officer

Email: CoxD@ffbf.com
Office: 386-755-0600 EXT. 3905
Cell: 386-205-1958
NMLS ID: #1124315
Apply Here
Address:
187 North Fletcher Ave
Mayo, FL 32066
Directions
 

Panama City

 
Stan Lindsey

Stan Lindsey, Certified Mortgage Banker

Email: LindseyS@ffbf.com
Office: 850-257-2621 X3632
NMLS ID: #203006
Apply Here
Address:
1002 West 23rd Street, Suite 110
Panama City, FL 32405
Directions
 

Yulee

 
Cyndi Ray

Cyndi Ray, Area Sales Manager

Email: RayC@ffbf.com
Office: 904-259-9603
NMLS ID: #247531
Apply Here
Address:
463845 State Road 200 (Chester Road)
Yulee, FL 32097
Directions
 
Sheryl Rowe

Sheryl Rowe, Mortgage Loan Officer

Email: RoweS@ffbf.com
Office: 904-321-2337
Cell: 904-219-6224
NMLS ID: #247534
Apply Here
Address:
463845 State Road 200 (Chester Road)
Yulee, FL 32097
Directions
 

Consumer Direct Mortgage Team

 
Chris Austin

Chris Austin, Consumer Direct Mortgage Loan Officer

Email: Chris.Austin@ffbf.com
Office: 904-398-7859 ext. 3560
Cell: 904-881-4690
NMLS ID: #648815
Apply Here

Chris began in the mortgage industry in 2009 while pursuing his Masters in Education, Sport Management & Leadership at Jacksonville University. The 18 month pilot program really tested task management and team work in the Education and Leadership disciplines. In 2015, he received a Master of Organization Leadership, also from Jacksonville University. His formal education combined with his past military and banking experience have helped him build a solid foundation. This foundation helps him focus on the customer’s needs and able to think outside the box to come up with multiple solutions for his customers.

As a veteran, attention to detail is key part of his success. Chris wants to make sure each customer understands every part of the process and that he is available at any time for questions – day or night. Chris says, "An informed customer helps build trust and makes them feel more comfortable with a transaction of this magnitude."

Chris is happily married to his lovely wife Yana and has two children, Haley and Dylan. Away from work, he enjoys sports, helping to coach his children in soccer, and spending time with family and friends.

 
Lucas Campbell

Lucas Campbell, Consumer Direct Mortgage Loan Officer

Email: CampbellL@ffbf.com
Office: 877-209-1626 ext. 3493
Cell: 352-650-0724
NMLS ID: #648830
Apply Here

Lucas joined the mortgage industry in 2009, after graduating summa cum laude from the University of North Florida. While his degree in Political Science doesn't directly relate to home loans, Lucas found his experience, hard work, and dedication in college laid the groundwork for his professional life.

Since his start in 2009, Lucas has helped customers from all walks of life finance the home of their dreams. While each customer is unique, it's likely Lucas has worked with a situation similar to yours before and can find the mortgage solution that will best fit your life.

After getting married in May of 2016, Lucas and his wife Charlotte set down permanent roots in the Riverside area of Jacksonville, FL. He is here for the long-run, and won't approach any customer as a transaction. Instead, he sees working with his clients as an opportunity to build lasting relationships, even past the closing table. He looks forward to meeting new clients and becoming their go-to mortgage professional.

 
Lorenc Kovllari

Lorenc Kovllari, Consumer Direct Mortgage Loan Officer

Email: KovllariL@ffbf.com
Office: 904-398-7859 ext. 3427
Cell: 904-705-1739
NMLS ID: #1539771
Apply Here

In 2013, Lorenc graduated from Florida State College at Jacksonville with an Associates degree in Business Administration. In 2015, he graduated from the University of North Florida with a Bachelor's degree in Finance with a concentration in Investments. His passion for finance and commitment to helping clients led him to start his career in the mortgage industry in 2016. He loves being able to help his clients achieve financial stability.

Lorenc recognizes that getting a mortgage can be quite an overwhelming process, especially for first-time buyers and people building their new home. But he also believes that financing your home shouldn't be overwhelming. It's important to understand every step of the process, and it's his job to guide you through every step of the way.

While Lorenc is not in the office, he enjoys reading financial literature, working out, and spending time with family and friends.

 
Chris Phethean

Chris Phethean, Consumer Direct Mortgage Loan Officer

Email: PhetheanC@ffbf.com
Office: 877-209-1626 ext. 3257
Cell: 813-610-0374
NMLS ID: #1041035
Apply Here

Chris has been in the mortgage industry since 2012 and has worked in the real estate field since 2009. Chris’ passion for the real estate and mortgages is evident in his work and dedication to his customers.

His degree in Public and Interpersonal Communication from the University of South Florida, and his years on the Savannah State University baseball team, laid the foundation for him to know how to connect with his customers on a special level. “As a baseball player in college, we were taught about competitiveness, sacrifice and teamwork and I quickly realized those same traits can be applied to the loan origination process. My goal is simple: never miss a closing date and ensure my customers are satisfied from start to finish through effective communication”.

When not in the office, Chris, along with his lovely wife Melissa, can usually be found on the water enjoying some fishing.

 

Harley Willhite, Consumer Direct Mortgage Loan Officer

Email: WillhiteH@ffbf.com
Office: 877-209-1626 ext. 3614
Cell: 904-416-4774
NMLS ID: #1539760
Apply Here

Harley holds a Bachelor’s degree in Sociology with a minor in Ethics from the University of North Florida. This foundation, coupled with his previous experience as a project manager, allows Harley to diligently and compassionately walk his customers through the loan process.

He is dedicated to taking a step by step approach to helping the customer understand the process along the way. “As a mortgage loan officer, my most important project is helping families finance their dream home while building lasting relationships with our customers.”

Harley currently lives in West Palm Beach with his girlfriend Taylor, and their dog McKenzie and cat Zena. When not working, Harley could be doing a variety of things from playing soccer to working on his car or motorcycle.