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Kona Phanly

Mortgage Banker, NMLS #860950
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5401 W. Kennedy Blvd. Suite 450
Tampa FL 33609
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(727) 916-1123

How can I help you achieve your goals?

Kona Phanly has extensive knowledge and experience in the financial industry and a deep understanding of the mortgage lending process while keeping up to date with the latest industry trends and regulations. He has a strong background in sales and customer service and provides personalized solutions to help consumers achieve their homeownership goals.

He aims to make the mortgage application process as smooth and stress-free as possible by working closely with his clients to ensure they know their options. He helps guide them through every step of the process, from prequalification to closing, and provides ongoing support even after the loan is approved.

Kona prides himself on excellent communication skills and attention to detail. He understands that obtaining a mortgage is a significant financial decision and is dedicated to delivering exceptional customer service and building long-term relationships based on trust and integrity.


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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