Ponte Vedra

145 Hilden Road, Unit 115 Ponte Vedra, FL 32081

NMLS#: 2493882

ayoung@annie-mac.com

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Welcome to
Ponte Vedra!

We know that buying or refinancing a home is one of the biggest financial decisions that AnnieMac’s clients will ever make. That’s why we work hard to ensure our team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.

We have extensive backgrounds in all facets of mortgage lending, so we can advise our team members in any situation, from a first-time home purchase to a refinancing. Our expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.

We also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so we can serve as an informed advocate for our team and our clients. We make sure our team will not only get clients a loan, but the best loan for them.

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Branch Management

Andy Young's Photo

Andy Young

Originating Branch Manager

NMLS# 648994

904-902-0165

ayoung@annie-mac.com

Loan Originators

James Padgett's Photo

James Padgett

Mortgage Loan Originator

NMLS# 1917451

904-638-2145

jpadgett@annie-mac.com

Kris Howard's Photo

Kris Howard

Mortgage Loan Originator

NMLS# 1555049

904-659-0250

khoward@annie-mac.com

Gwyn May's Photo

Gwyn May

Mortgage Loan Originator

NMLS# 353216

904-478-5505

gamay@annie-mac.com

Eric Utter's Photo

Eric Utter

Mortgage Loan Originator

NMLS# 886749

904-490-9445

eutter@annie-mac.com

Justin Allred's Photo

Justin Allred

Mortgage Loan Originator

NMLS# 1407226

904-478-5480

jallred@annie-mac.com

Joseph Berardi's Photo

Joseph Berardi

Mortgage Loan Originator

NMLS# 742053

904-371-2670

jberardi@annie-mac.com

Join Our Team

The Unfair Advantage

Get the unfair advantage today with our unique CASH programs and start winning in your career. The benefits are endless and we are excited to show you how we are taking advantage of the current real estate market.