Welcome Home.

The best journey take you home. The right mortgage loan gets you there. Pen Air will pay the appraisal fee on a new home purchase1 made between May 1st and June 30th. Most loans close up to 15 days quicker than other lenders.  

We offer home financing options to give you the flexibility you need to make yourself at home and great rates on a variety of mortgage loans.

  • Conventional
  • FHA
  • Construction
  • USDA Loans
  • VA Loans
  • Unimproved Property (Land) Loans
  • Home Equity Loans

Home Equity financing for when you need it.

If you're looking to add on, remodel, or refinance your home, we offer affordable Home Equity Loans and Lines of Credit to help you get the financing you need.

When it comes to buying your home, you need a partner you can rely on, someone who respects your dream. We're ready to help you take the next step toward becoming a homeowner. Contact our Mortgage experts by email or by calling 850.505.3200 Ext 8360.


Apply Now

Nationwide Mortgage Licensing System and Registry

Name NMLS#
Pen Air 413053
Dana Merritt 589549
Diana K. Helton 888248
Kelly Gosselin 589535
Melissa V. Olsen 619021
Mindy Keller 619019
Phillip Paul White, II 285736
Rachel Ragadio Guthrie 1071773
Shaun William Alexander Schiewe 982833
Joshua A. Davis 1139891
Charles Don Rhea Thomas 938537
Brandi Vinson 643395
Jennifer Nicole Kristie 1058128
Cheryl Lynn Timm 589574
Tricia Purdy Wilbourn 589590
Brittany N. Poppell 1289337
Elijah Wilson 1424571


© 2017 Pen Air Federal Credit Union. NMLS# 413053. Offer valid from 5/1/2017 thru 6/30/2017. ¹ Credit can only be applied towards payment of appraisal costs, up to a total of $500. Offer valid on new home purchases, primary residences only and FHA loans do not qualify for this offer. Products, terms and conditions subject to change without notice. Subject to credit approval. APR may vary based on individual credit history & underwriting factors. Call 1.877.4PENAIR for credit costs and terms.