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Pam Woodall 
President
NMLS# 440328
Beach Community Mortgage is under the leadership of Pam Woodall, who serves as its President. She was an integral part of the success of Access Mortgage Corporation, the #1 Mortgage Lender in Northwest Florida for almost 10 years until its sale in 2003. As the Executive Vice President in charge of Sales and Production for Access, Pam specialized in all aspects of mortgage lending from origination to closings. With over 20 years of experience in the industry, Pam is qualified and committed to delivering the best mortgage products available with the best customer service possible. She works closely with real estate professionals, the customer and the team at Beach Community Mortgage to ensure a seamless hassle-free experience. Pam’s professional affiliations include the Mortgage Bankers Association (MBA), and she is currently pursuing her Certified Mortgage Banker (CMB) designation.
Pam is active in the community and
has volunteered with the Emerald Coast Foundation, the American Heart Association and the American Cancer Society. She is an active member of the FWB Chamber of Commerce, serving on the Military Affairs Committee and is a Leadership Okaloosa participant.
Pam lives in Mary Esther with her husband LA and is the proud grandmother of Payton and Noah.
Pam can be reached at PamelaW@beachcommunitymortgage.com
Office: 850.315.4100
Toll free: 888.864.2946
Fax: 850.315.4102
Address: 11 Racetrack Road NE, A, Fort Walton Beach, FL 32547 |
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 Balenda Hetzel
Vice President/Regional Sales Manager
NMLS# 430532
A lifelong resident of the Florida Panhandle, Balenda is actively involved in the local community. She is a member of the Mortgage Bankers Association, Women's Council of Realtors, the Greater Fort Walton Beach Chamber of Commerce, the Navarre Area Chamber of Commerce and Emerging Leaders. She also serves on the board of Shelter House.
Balenda's core expertise is in VA, Conventional, FHA and Rural Housing loans. She has the willingness and determination to see each loan to its successful conclusion.With over 10 years of lending and title experience,
Balenda Hetzel guides each client with personal attention and care through every
step of the loan process.
Balenda can be reached at BalendaH@beachcommunitymortgage.com
Cell: 850.499.4759
Office: 850.315.4100
Toll free: 888.864.2946
Fax: 850.315.4102
Address: 11 Racetrack Road NE, A, Fort Walton Beach, FL 32547 |
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 Lee Ann Arrigo
Mortgage Loan Originator
NMLS# 197729
Lee Ann started in the mortgage business in 1982 as a loan processor, after she had pursued her dream of moving to the Emerald Coast. She has since worked in all facets of the mortgage industry, including opening and managing a local mortgage department within a bank, underwriting, and loan origination, which is where she’s focused the past 10 years. She earned her VA, FHA and Conventional delegated underwriting degrees in the early 90’s which has contributed to her success in mortgage loan originations. Lee Ann has extensive experience in all types of mortgages from first time homebuyers to second homes and investment loans. During her career, she has received the Emerald Coast Association of Realtors’ Affiliate of the Year award twice. Over the past 15 years, she has served on many committees of the Emerald Coast Association of Realtors. Lee Ann strives to give her customers the easiest and smoothest mortgage experience possible with excellent service. Call her anytime to get started financing your dream home.
Lee Ann can be reached at LeeAnnA@beachcommunitymortgage.com
Cell: 850.461.1018
Office: 850.315.4100
Toll free: 888.864.2946
Fax: 850.315.4102
Address: 11 Racetrack Road NE, A, Fort Walton Beach, FL 32547 |
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 Carmen Handrahan
Mortgage Loan Originator
NMLS# 583328
Carmen Handrahan has been in the mortgage industry since 1989. She has worked in all facets of the industry, including processing, closing, servicing, and origination, her focus for the past 14 years. Carmen moved to the area in 2002 and has called it home ever since. She loves making it possible for people to reach the dream of home ownership, especially first time buyers. Carmen treats everyone like they are family – she is building relationships with her clients, not just closing a transaction. Carmen is currently the Women’s Council of Realtors Treasurer for the Pensacola chapter. She is also actively involved with the Pensacola Association of Realtors.
Carmen can be reached at CarmenH@beachcommunitymortgage.com
Cell: 850.449.8953
Office: 850.475.7840
Fax: 850.475.7890
Address: 7828 N Davis Highway, Pensacola, FL 32514
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 Richard Harless
Mortgage Loan Originator
NMLS# 440323
Richard Harless, a veteran mortgage lender, has been in the industry for 23 years.
Growing up in Bonifay, he has spent the last 6 years originating loans in Okaloosa
County. He has been involved in Residential Lending Management and Acquisitions
and now specializes in government loans, specifically VA products. Using his
knowledge and experience, his promise to his clients is to create a smooth, memorable
transaction, one that inspires trust not only for repeat business but also to refer
friends and family. Richard is married with two daughters, both of whom are
in college and has three step children. When he is not financing the American
Dream, Richard enjoys playing golf, riding his motorcycle and cheering for his beloved
Seminoles.
Richard can be reached at RichardH@beachcommunitymortgage.com.
Cell: 850.428.0721
Office
: 850.682.9930
Fax: 850.682.9940
Address: 5131 S. Ferdon Blvd, Crestview, FL 32536 |
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 Dawn Hoffman
Mortgage Loan Originator
NMLS# 440324
Dawn Hoffman has over 11 years of mortgage banking experience and specializes in VA, FHA and Rural Housing financing options. She enjoys walking first time homebuyers through the process of obtaining financing for their new home. Dawn relocated to the Emerald Coast in 2005 when she married her husband, who is an Eglin AFB firefighter. She earned a BA from Wesleyan College in Macon, GA and an MA from Washington State University in Pullman, WA. She is actively involved in the Niceville Chamber, the Emerald Coast Association of Realtors, and the local chapter of Women’s Council of Realtors. Dawn also enjoys being the “station mom” for the young airmen at her husband’s fire station. Her responsibilities include care packages when they are deployed, making sure they have a place for the holidays and cooking meals. Overall, Dawn enjoys giving back to the community whether it is through helping someone buy a home, supporting our military troops, or volunteering at community events.
Dawn can be reached at DawnH@beachcommunitymortgage.com
Cell: 850.218.9772
Toll free: 888.864.2946
Fort Walton Beach Office: 850.315.4100 • Fax: 850.315.4102
Address: 11 Racetrack Road NE, A, Fort Walton Beach, FL 32547
Niceville Office: 850.678.3990 • Fax: 850.678.2967
Address: 100 Armstrong Ave , Niceville, FL 32578 |
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 Shellie Isakson
Mortgage Loan Originator
NMLS# 440325
Shellie has worked in the financial industry for over 30 years and enjoys helping people achieve their dreams. She started her lending career in loan servicing and has had a constant draw toward helping people achieve the American dream of home ownership. For Shellie helping someone achieve the American dream is one of the most exciting and enriching things she can do. Currently, Shellie is a Fire Commissioner at the Midway Fire District and has been involved in many local realtor organizations including Women’s Council of Realtors, Pensacola Association of Realtors and the Navarre Area Board of Realtors. Shellie enjoys volunteering with various organizations, bicycling and spending time with her granddaughter.
Shellie can be reached at ShellieI@beachcommunitymortgage.com
Cell: 850.232.3224
Pensacola Office: 850.475.7840•Fax: 850.475.7890
Address: 7828 N Davis Highway, Pensacola, FL 32514
Navarre Office: 850.515.1344 • Fax: 850.515.1522
Address: 9290 Navarre Parkway, Navarre, FL 32566 |
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 Julie Kuhn
Mortgage Loan Originator
NMLS# 370370
With 19 years of local mortgage industry experience, Julie Kuhn brings expertise and makes the homebuying process as smooth and easy as possible for all involved. Specializing in VA, FHA, and Rural Housing financing and first time homebuyers, she enjoys providing the customer with the highest possible service while assisting them in obtaining a piece of the American dream. Julie attended the University of Alabama and the University of South Florida, where she received her BS in Business Administration/Finance.
Julie is involved in the Greater Fort Walton Beach and Destin Area chambers, the local Building Industry Association and the Emerald Coast Association of Realtors. She has also volunteered with Horizons and the Boys and Girls Club.
Julie spends some of her spare time in the local franchise of Edible Arrangements, which she and her husband, Bill, own. They are also the proud parents of their two adopted children from Russia, Bogdan and Alexa. When not working, Julie enjoys traveling with her family, boating or just being near the beach or in the water.
Julie is very excited to be a part of the Beach Community Mortgage team. Shop local, Eat local, Bank local and buy your home local too!
Julie can be reached at JulieK@beachcommunitymortgage.com
Cell: 850.240.2511
Office: 850.315.4100
Toll free: 888.864.2946
Fax: 850.315.4102
Address: 11 Racetrack Road NE, A, Fort Walton Beach, FL 32547 |
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Rebecca Mullen 
Mortgage Loan Originator
NMLS# 440326
With over 23 years of experience in the mortgage business, Rebecca can answer all the questions you have regarding home loans and the mortgage process. Rebecca has lived and worked in Escambia and Santa Rosa counties for over 24 years.
She is married to a Methodist pastor. They have 5 living children and 10 grandchildren.
When not working, Rebecca stays busy with her family and helping her husband with the less fortunate and homeless in the Pensacola area. She is a member of the Pensacola Board of Realtors, Women’s Council of Realtors, and Northwest Florida Homebuilder’s Auxiliary.
Let Rebecca and Beach Community Mortgage help you with the financing of your Dream Home!
Rebecca can be reached at RebeccaM@beachcommunitymortgage.com
Cell: 850.293.2566
Office: 850.475.7840
Toll free: 877.962.3224
Fax: 850.475.7890
Address: 7828 N Davis Highway, Pensacola, FL 32514 |
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