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

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

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

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

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

Jenn Murphy
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:
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 |
Buying and refinancing has never been easier
And it’s even easier when you work with a one of our mortgage experts.
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.