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The Seaside Difference

The Path to Home Ownership

The housing market can be unpredictable, but that doesn’t mean your mortgage should be. With flexible loan programs including fixed-rate and adjustable rate mortgage (ARM) options, we have the right solution for your home-buying needs. Together we'll find the right terms that fit whatever home you’re looking for. 

Options for Financing Your Primary, Secondary or Vacation Home

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Jumbo Loans

We offer higher-than-conventional loan limit options for those dreaming BIG. Whether you are buying, refinancing or finally adding that movie theater room, we have the fixed-rate and ARM options to fit your unique needs.
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Physician Mortgage

For licensed physicians, we’ve designed a unique lending program just for you. Special rates are available for licensed physicians, fellows, interns, residents and dentists. This program is available for purchases or refinances with no down payment options, is an ARM program and does not require any private mortgage insurance.
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Construction and Renovation

If you want more space, we can help you get the loan you need. Our benefits include fixed-rate or ARM, Conventional and Jumbo Loan options. You can lock in your interest rate upfront, and even lower it to meet a better rate at final closing.
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Fixed and Adjustable Rate Mortgages

Popular for buying or refinancing, our fixed and adjustable rate mortgage options come in varying term lengths and can fit whatever square footage you're looking to move into.
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First-Time Homebuyers

Buying your first home doesn't have to be scary. We'll be here with you every step of the way. From determining how much you can afford to finding the right program for your unique needs, our loan officers will guide your every step to your new front door.
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VA Mortgage Loans

You have supported us, so please allow us to support you. For all past and present military members, and surviving spouses who are looking for help with buying their new home, we can assist you with a VA Mortgage Loan. Take advantage of potentially no down payments or mortgage insurance, low fixed rates and various repayment options.
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U Advantage Products

If you're a COVID-related essential worker; current or retired law enforcement officer, educator, health care worker, firefighter; veteran, active-duty member of our military, military spouse, or surviving spouse, you may have access to grant funds to assist with the down payment, closing costs and rehabilitation costs incurred when purchasing a home.
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PATH Loan

When all you need is a leg up, we can help. Turn your homeownership dreams into a reality with a PATH Loan. With up to 100% financing for minorities and low-income members of our community, this financing option gives you the financial and personal support you need to thrive.

Contact Your Mortgage Loan Originator

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Jody Garris

Mortgage Loan Originator

941-376-1407
Apply with Jody
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Clint Hickox

Mortgage Loan Originator

904-860-0605
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Steve Ledford

Mortgage Loan Originator

863-581-7097

MyLo Mortgage Application

It’s easy. It’s secure. It’s the best way to apply for your mortgage.
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Learning Center

6 Steps to Get a Loan or Line of Credit
Is it time to start that kitchen renovation project you’ve been dreaming of? Are you looking at a new car or home? Or do you need help paying for your kid’s college tuition?
 
With United, those dreams are attainable—and they don’t have to be overwhelming or launch you into financial chaos. We have a full suite of flexible lending options ready to fit your needs, and we’ll be there to support you throughout every step of the process.
Read Article

Building a new home? Be prepared.
Building your dream home is exciting! However, there are many unknowns, some of which are beyond your control. Securing financing for your construction project is a critical step in the process — and it’s something you can control.
Read Article

7 Questions to Ask Before Refinancing
For many homeowners, refinancing can be a smart move. However, before you decide to refinance your mortgage, ask yourself these questions.
Read Article
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