Mortgage Lenders Meet Our Team

Meet Our Mortgage Experts

Our Mortgage Lending Team is ready to guide you every step of the way.

Liz Fulmer

Elizabeth Fulmer

Mortgage Loan Originator

Corporate NMLS #413053
Individual NMLS #1595999
850.505.3200
ext. 8065
Email Elizabeth

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Amanda Moore

Mortgage Loan Originator

Corporate NMLS #413053
Individual NMLS #1139220
850.505.3200
ext. 8311
Email Amanda

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Cori Watkins

Mortgage Loan Originator Assistant

Corporate NMLS # 413053
NMLS # 2333108
850.505.3200
ext. 8314
Email Cori

Emma Martin

Emma Martin

Sales and Closing Mortgage Operations Manager

Corporate NMLS # 413053
NMLS # 1742207
850.505.3200
ext. 8381
Email Emma

Jenn Murphy

Jenn Murphy

VP Mortgage Lending

Corporate NMLS #413053
Individual NMLS #1857611
850.505.3200
ext. 2286
Email Jenn

Need a little more information?

Maybe you’ll find what you’re looking for here.

A preapproved mortgage loan is valid for up to 60 days. After that, we will need to complete a second evaluation of your current financial situation including employment status, deposits and property value.

Being prequalified gives you an ESTIMATE of what you can borrow. Preapprovals tell you what you can ACTUALLY borrow. A preapproval states the specific loan amount that you’re eligible for. It’s not an estimate.

Verification of Income:

  • W2 income – your most recent W2 and 30 days’ paystubs or income statement. Retiree’s or Social Security income – your most recent 1099 or benefits awards letter. Self-employed, rental income or commission income – your two most recent years’ tax returns, including all schedules.
  • First Mortgage Statement
  • Home Owner’s Insurance Certificate
  • Declarations Page
  • Copy of Payoff Statements (if applicable)

Yes! Our S.A.F.E. Act Policy (Secure and Fair Enforcement for Mortgage Licensing Act), requires that all registered mortgage loan originators and mortgage employees will have their names and unique identifiers published on the creditor’s website. Here’s our full current list:

NMLS#

Name

NMLS#

Name

PenAir Credit Union

NMLS#

413053

Name

Dana Merritt

NMLS#

589549

Name

Diana K. Milsted

NMLS#

888248

Name

Kelly A. Gosselin

NMLS#

589535

Name

Mindy Keller

NMLS#

619019

Name

Rachel Guthrie

NMLS#

1071773

Name

Tricia Purdy Wilbourn

NMLS#

589590

Name

Brittany N. Carr

NMLS#

1289337

Name

Ashley Olivia Champion

NMLS#

1660452

Name

Kimberlee Carter

NMLS#

1724253

Name

Crystal Lirette

NMLS#

1702029

Name

Sarah Villaverde

NMLS#

1961375

Name

Jennifer Louise Murphy

NMLS#

1857611

Name

Alicia Shirley

NMLS#

1998862

Name

Kimberly Ann Kramer

NMLS#

1398912

Name

Carissa Benjamin

NMLS#

1804226

Name

Taylor Hooten

NMLS#

1882169

Name

Elizabeth Fulmer

NMLS#

1595999

Name

Emma Martin

NMLS#

1742207

Name

Cori Watkins

NMLS#

2333108

Name

Amanda Moore

NMLS#

1139220

Name

Brian Hendrich  

NMLS#

1605831

Name

Kristy Gooding

NMLS#

643466

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Disclosures

© 2023 Pen Air Credit Union. NMLS# 413053. Standard credit qualifications and other terms and conditions apply. Loans subject to credit approval. Call 1.877.4PENAIR for credit costs and terms.

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