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Christy Ladd

Mortgage Banker, NMLS #2190082
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11790 Panama City Beach Pkwy
Panama City Beach FL 32407
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(850) 567-7955

How can I help you achieve your goals?

Christy is a Florida native who enjoys spending time with her family and doing home improvement projects. She is people-focused and has a passion for helping others achieve their homeownership goals. As an experienced real estate investor herself, Christy also enjoys working with clients to expand their investment portfolios.

Specialties

Conventional Loans
First-Time Homebuyer Loan Programs
Specialized Loans

Mortgage Calculators

The decision to refinance a home mortgage can involve many factors. You might want to take cash out of your home when you refinance to use for other purposes. But the most common purpose is to obtain a lower interest rate and lower monthly payments. In the latter case, the decision to refinance should be based on lowering the overall mortgage costs and breaking even on the refinance in a reasonable period of time.

Watch the Ameris Bank Loan Process

From finding a Mortgage Banker to welcoming your new Home, find out how the loan process works.

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Down Payment Assistance

We want to make homeownership dreams a reality.
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Down Payment Assistance Finder

Use Fannie Mae’s down payment assistance search tool to find programs for which you may qualify.
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Home Ownership Advice

Which Mortgage Loan is right for you?
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Your Success is Our Job

At Ameris Bank, we help turn your home buying dreams into reality! We also understand that there is no purchase more important, rewarding or exciting as a new home. We are dedicated to helping you through the process and keeping you updated with your loan status each step of the way. Ameris Bank Mortgage Services is backed by Ameris Bank, a strong and stable community bank built on relationship banking and customer service.
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