Meet Our Lenders

Pam Woodall
Steve Boswell
Robert Andrus
Lee Ann Arrigo
Carmen Handrahan
Kathey Hannon
Kristan Howard

Susan Pace
Wilma Shortall
Laci Cash

NMLS# 907332 (Beach Cmnty Mtg Services, Inc.)

 
aqua_divider

Pam Woodall Pam Woodall

President
NMLS# 440328

Beach Community Mortgage is under the leadership of Pam Woodall, who serves as its President. Her mortgage career has spanned over 30 years and includes all phases of mortgage loan origination. Pam is committed to delivering the most competitive mortgage products available with a level of customer service that exceeds client expectations. She works closely with real estate professionals, the clients and the team at Beach Community Mortgage to ensure a seamless hassle-free experience. Pam’s professional affiliations include the Mortgage Bankers Association (MBA), active member of all area association of Realtor organizations and builders industry associations.
Pam is active in the community and has volunteered with the ARC of the Emerald Coast, the Emerald Coast Foundation, the American Heart Association and the American Cancer Society. She is an active board member of the Greater FWB Chamber of Commerce, FWB Kiwanis Club as Chairman of the Aktion Club, Emerald Coast Chapter of The American Business Women’s Association and serves on the board of Impact100 of NWFL. She has served two terms as Honorary Commander at two military installations as well as was the prior Military Affairs Committee chair for the FWB Chamber.
 

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

aqua_divider

Steve Boswell Steve Boswell

Vice President, Sales and Production
NMLS# 320019

Steve is a dynamic leader with a unique ability to achieve success in multiple business channels to include Mortgage Lending and Real Estate-Rental Management. As a former VP/Area Manager in the mortgage banking industry, Steve spent much of his time developing local and regional builder relationships, recruitment of top producers, joint ventures for strategic alliances and supervising a 5 county area production team. He holds more than 25 years of success and knowledge in business development and recruitment strategy and brings a high level of market knowledge to our origination team. Steve works very closely with the loan originators and production partners and his experience brings growth and continued success to Beach. As a USAF Veteran and past Honorary Commander of the 96th Medical Group, Eglin Air Force Base, Steve is very involved in community organizations. He is a very active member of All Sports Association of NWFL and served as the organization's President in 2011. He attended Florida State University where he was a member of the Sigma Chi International Fraternity and in 2008 served as Sigma Chi's University of West Florida Charter Chapter, Alumni President and Undergraduate Chapter Advisor. Steve also attended Troy University where he received his Bachelor Degree in Human Resources Management. Steve is very devoted to his family, his community and his Florida State Seminoles

Steve can be reached at StevenB@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

aqua_divider

Lee Ann ArrigoLee 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 12 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

aqua_divider

Carmen HandrahanCarmen 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 15 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

aqua_divider

Kathey HannonKathey Hannon

Mortgage Loan Originator
NMLS# 394318

Military ties brought Kathey Hannon to the white sandy beaches of the Emerald Coast in 1988. She is proud to call this area her home. She brings over 25 years experience in all aspects of mortgage financing to our Beach Community Mortgage team. Kathey's commitment to customer service, industry knowledge and the willingness to go the extra mile has created long term client relationships. Kathey is an active member of the Navarre Area Board Of Realtors and The Emerald Coast Association Of Realtors. She has been a supporter of the American Diabetes Association for many years.

Kathey can be reached at KatheyH@beachcommunitymortgage.com
Cell:  850.865.3539
Office:  850.515.1344
Fax:  850.515.1522
Address:  9290 Navarre Parkway, Navarre FL  32566

aqua_divider

Susan Pace Susan Pace

Mortgage Loan Originator
NMLS# 486751

Susan has lived on the Emerald Coast since 1999. She has more than 12 years of experience as a Loan Originator and is skilled in all types of Mortgage Lending. She specializes in New Construction, VA, FHA, Rural Development and Jumbo loans. Susan believes that a customer referral is the best compliment that she can receive! She is a member of the Niceville Chamber of Commerce, ECAR, and the Emerald Coast Women Council of Realtors.

Susan can be reached at SusanP@beachcommunitymortgage.com
Cell:  850.376.4924
Office:  850.678.3990
Fax:  850.678.2967
Address:  100 Armstrong Avenue, Niceville, FL 32578

aqua_divider

Kristan Howard Kristan Howard

Mortgage Loan Originator
NMLS# 1063572

Kristan has worked in the financial industry for over 17 years. Throughout her financial career, she’s held various positions in banking, lending, and management. She is dedicated to serving the needs of her customers and prides herself on impeccable customer service and utmost customer satisfaction. Kristan was born in Fort Walton Beach.  She is a graduate of Fort Walton Beach High School and Northwest Florida State College. Kristan and her family have been residing in the Crestview area for the past 13 years. She is an active member of the Crestview Chamber of Commerce, currently serves on the board of Okaloosa Saves, holds a certification through the University of Florida as a Master Money Mentor, and previously served two years as a loaned executive for the United Way of Okaloosa & Walton Counties.  Kristan is thrilled to be a part of the Beach Community Mortgage team, and is here to serve your mortgage needs!

Kristan can be reached at kristanh@beachcommunitymortgage.com
Cell: 850.
218.0710
Office:  850.682.9930
Fax:  850.682.9940
Address: 5131 South Ferdon Blvd., Crestview, Florida 32536

aqua_divider

Robert Andrus Robert Andrus

Mortgage Loan Originator
NMLS#
1245755

Born and raised here on the Emerald Coast, Robert is one of the newer additions to the family at Beach Community Mortgage. He is a recent graduate of the University of Central Florida, holding a Bachelor’s Degree in Marketing and a Master’s in Business Administration. He has pursued a career in mortgage lending over the past year. In his successful quest for designation with NMLS, he has received training in all aspects of the lending process . He enjoys attending the Niceville Chamber of Commerce, industry events through various Realtor organizations and networking with local real estate professionals. In his spare time, he enjoys a great game of golf or billiards!

Robert can be reached at BobbyA@beachcommunitymortgage.com
cell: 850.333.2954
Office:  850.678.3990
Fax:  850.678.2967
Address: 100 Armstrong Avenue, Niceville, FL 32578

aqua_divider

Wilma Shortall Wilma Shortall

Mortgage Loan Originator
NMLS#
341053

Wilma has been in the financial industry more than 50 years and loves the business.  She started her career as a Diversified Cooperative Training (DCT) student at Pensacola High School and has worked in all phases of banking.  Her previous employment history includes a successful 23-year career in the savings and loan industry, start-up and management of a local federal savings bank, production manager and team leader for two nationally recognized lenders, and loan originator for several banks, mortgage companies, and a credit union. Wilma strongly believes the “home is the very core of our American way of life.”  Her traditional values and commitment to exceptional customer service ensure that your loan experience will be a rewarding one with her. 

A native of Pensacola, Wilma graduated from the University of West Florida with a Bachelor’s Degree in Finance.  She currently is a member of the Pensacola Association of Realtors and recognized as Affiliate of the Year in 2005.  Wilma is actively involved with the Home Builders Association (HBA) of West Florida and currently serves as a Director.  In addition, she is the past president of the HBA Auxiliary Council, and recipient of the HBA Associate of the Year Award in 2007.  She holds the Life designation for recruitment and retention of members in HBA’s Spike Club and is an avid supporter and volunteer for the Auxiliary Council’s Angel Tree initiative.  She was the Charter President for Pensacola Seville Sertoma Club and instrumental in the development of Seville Place, a historical housing project in downtown Pensacola. 

Wilma can be reached at wilmas@beachcommunitymortgage.com
cell: 850-982-6974
Office:  850.475.7840
Fax:  850.475.7890
Address:  7828 N Davis Highway, Pensacola, FL  32514

aqua_divider

Laci Cash Laci Cash

Mortgage Loan Originator
NMLS#
470324

Laci has worked in the mortgage industry for over 20 years—in several states, but mostly in Atlanta and Houston. She loves assisting with anyone needing mortgage financing, but has a soft spot for first-time home buyers. Finding the right mortgage for a client is her ultimate goal! In her spare time,she has completed 4 marathons; enjoys the beach and reading. Laci loves living in Navarre and her family and friends visit often!

Laci can be reached at LaciC@beachcommunitymortgage.com
cell: 850.461.1517
Office:  850.515.1344
Fax:  850.515.1522
Address: 9290 Navarre Parkway, Navarre, FL 32566

aqua_divider