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Pam Woodall 
President
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
Cellular: 850.240.5604
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
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 5 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
Cellular: 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
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 faucets 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
Cellular: 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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Steven Cochran 
Mortgage Loan Originator
“Everybody’s thrilled to death...”
“The buyers and sellers are extremely happy.”
“Don’t know how you got it done so quickly.”
These are just a few of the comments made recently by one of Steven’s long-time realtor clients after a successful real estate closing. It’s not the first time that Steven has heard feedback such as this, and with the way that he takes care of his clients – it won’t be the last.
Since the start of his real estate lending career in 1992, Steven has handled each transaction with the same sense of importance whether the loan amount is $50,000 or $500,000. Well versed in all loan programs, Steven specializes in VA, FHA, and Rural Housing loans; however, his primary goal with each transaction is to get the right loan for each borrower, at the right price, and to close it on time - no easy task in today’s complex lending environment, but you can relax at The Beach with Steven.
Steven can be reached at StevenC@beachcommunitymortgage.com.
Cellular: 850.324.4092
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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 Greg Daniels
Mortgage Loan Originator
Though he spent his early childhood in Indiana, Greg has been a resident of Florida since 1981. He has seen this area change dramatically over the years. After serving in the Air Force, he completed his degree in Finance at the University of West Florida while working at a local bank and has remained in the Financial Services industry ever since. Daniels earned his Certified Mortgage Planning Specialist designation in May of 2006 and soon after opened his own mortgage planning practice. He now assists his loyal clientele and referral partners as a Mortgage Loan Originator with Beach Community Mortgage.
Greg’s peers and business partners know him as honest and reliable, "the guy you can always count on." His commitment to excellence and to putting the interests of his clients at the forefront of every transaction has earned him a loyal base of customer support as well as a strong foundation of referral business within the real estate community. Greg separates himself from the competition with his level of integrity, loyalty, passion, and discipline. He believes that these traits as well as his meticulous attention to detail and planning help contribute to his success.
In spite of his growing career and the many demands on his time, Greg loves to spend as much quality time as possible with his wife, Penny, and son, Scout.
Greg can be reached at GregD@beachcommunitymortgage.com
Cellular: 850.499.7705
Office: 850.279.6731
Toll free: 888.864.2946
Fax: 866.202.5034
Address: 100 Armstrong Ave, Niceville, FL 32578 |
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Laresa Forrest 
Mortgage Loan Originator
Laresa Forrest is a northwest Florida native who currently resides in Crestview,
FL. Laresa has over 17 years of experience in home financing and specializes
in working with builders/developers, the military, and first-time home buyers.
She has held virtually every position in the mortgage industry, including underwriter,
of which she has her FHA and VA underwriting designations.
With her experience and understanding of the business, she strives to create comprehensive
mortgage packages to suit the customer’s needs, and is committed to providing
each customer with the highest level of service and professionalism. Laresa
enjoys educating each client throughout the mortgage process and sharing in the
excitement of buying a home. Her innovative approach to business, emphasis on working
as an integrated team and high standards for customer satisfaction make the mortgage
process easy for everyone involved. Her diverse background in mortgage lending
has enabled her to better serve her customers and encourage repeat and referral
business from previous customers. Active in the community, she is involved
in realtor and builder organizations, as well as the Chamber of Commerce.
Laresa can be reached at LaresaF@beachcommunitymortgage.com
Cellular: 850.865.8385
Office: 850.682.9930
Fax: 850.682.9940
Address: 5131 S. Ferdon Blvd, Crestview, FL 32536 |
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 Richard Harless
Mortgage Loan Originator
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.
Cellular: 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
Dawn comes to us with over 7 1/2 years of experience in all facets of the mortgage
business including origination and processing. She earned a BA from Wesleyan
College in Macon, GA and an MA from Washington State University in Pullman, WA.
Following the marriage to her husband, an Eglin AFB firefighter, in 2005, Dawn moved
to the Fort Walton Beach area to further pursue her career in mortgage banking.
Although Dawn specializes in Construction Permanent financing options, she also
loves helping first time homebuyers and veterans obtain financing for their new
homes.
Dawn can be reached at DawnH@beachcommunitymortgage.com
Cellular: 850.218.9772
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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Shellie Isakson 
Mortgage Loan Originator
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
Cellular: 850.232.3224
Navarre Office: 850.515.1344 • Fax: 850.515.1522
Address: 9290 Navarre Parkway, Navarre, FL 32566
Cordova Office: 850.202.9000 • Fax: 850.202.9001
Address: 4465 Bayou Boulevard, Building A, Pensacola, FL 32503 |
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 Julie Kuhn
Mortgage Loan Originator
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
Cellular: 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
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
Cellular: 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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 Stephanie O’Connor
Mortgage Loan Originator
Stephanie, a graduate of State University of New York, first came to the Emerald
Coast in the early 70’s prior to the development explosion. She enjoyed
living on the Beach for seven years and returned to New York until 1996, when she
made the decision to make the Beaches of Florida her permanent home. Having
lived in the area over such a span of time, Stephanie can appreciate the tremendous
growth of the area over the past 35 years.
She is married to Cameron, an employee with the New York State Health Department,
who will be joining Stephanie in Pensacola Beach upon his retirement in a few
years.
As a member of the Gulf Breeze Rotary Club and the Pensacola Beach, Gulf Breeze
and Pensacola Chambers of Commerce, Stephanie is very active in the community. She
has been in the mortgage industry for an impressive 25 years, providing VA, FHA
and Conventional lending solutions with specialties that include condominium and
second home financing. Her comprehensive and advance knowledge of the mortgage industry
provide a wealth of experience to all borrowing needs.
Stephanie can be reached at StephanieO@beachcommunitymortgage.com.
Cellular: 850.375.3612
Office: 850.202.9001
Toll free: 877.962.3224
Fax: 850.202.9001
Address: 4465 Bayou Boulevard, Pensacola, FL 32503 |
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 Kris Waters
Mortgage Loan Originator
Kris Waters brings over 13 years of mortgage lending experience to the team at Beach Community Mortgage. As a past “Top Performer” and winner of the “Circle of Excellence,” Kris enjoys assisting homeowners with their financing needs that help them achieve the dream of homeownership. Originally from upstate New York, Kris has lived in Gulf Breeze for 14 years and loves it because the community is large enough to have plenty of things to do yet small enough to know all your neighbors. Kris likes to stay active in his community and is a part of the local American Cancer Society and a member of Calvary Chapel. In his spare time, you can find Kris scuba diving, cooking and riding dirt motorcycles with his son.
Kris can be reached at KrisW@beachcommunitymortgage.com.
Cellular: 850.293.1118
Office: 850.515.1344
Fax: 850.515.1522
Address: 9290 Navarre Parkway, Navarre, FL 32566 |
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