Finding the right house to call your home starts with a great mortgage.

At Pen Air, we offer affordable, competititve-rate mortgage options designed to help you turn your dream of homeownership into reality. Plus, with local decisions and personal service, you can get the financing you need with the convenience you deserve. 

Apply Now

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
Rachel Ragadio Guthrie 1071773
Shaun William Alexander Schiewe 982833
Brandi Vinson 643395
Jennifer Nicole Kristie 1058128
Cheryl Lynn Timm 589574
Tricia Purdy Wilbourn 589590
Brittany N. Carr 1289337
Elijah Wilson 1424571
Kathryn Mary Godwin 619023


© 2018 Pen Air Federal 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. *Offer  Valid 1/1/2018 through 1/31/2018. A $100 credit will be applied to your primary Share Savings Account at closing. Products, terms and conditions subject to change without notice. Subject to credit approval.  APR may vary based on individual credit history and underwriting factors.  Call 1-877-4PENAIR for credit costs and terms.