Enter Welcome Home


CenterState Bank offers conventional mortgage loan programs along with numerous specialty mortgage products such as VA, FHA, USDA, Manufactured Homes  First-time Home buyers  and portfolio Jumbo programs. We take great pride in the fact that all of our  loans are approved locally and we strive to make your mortgage process easy and simple.  We welcome the opportunity to assist you in finding the right mortgage for you and your family.


Apply with your local Mortgage Professional today

Central Florida Counties

Amy Chappell
Citrus, Hernando, Hillsborough, Sumter, and Pasco Counties
Office: 813-780-3310
Cell: 813-997-4395
Contact Amy

Apply with Amy Now »

Scott Johnson
Scott Johnson
Lake, Orange, Osceola, Seminole, and Volusia Counties
Office: 407-508-3021
Cell: 407-791-1177
Contact Scott

Apply with Scott Now »

Josh Polston 150x188

Josh Polston
East Polk County
Office:  863-678-6601
Cell:  863-528-3258
Contact Josh

Apply with Josh Now »

Juli Surface

Juli Surface
West Polk and Hillsborough Counties
Office: 863-577-2973
Cell:  863-255-0495
Contact Juli

Apply with Juli Now »

BrianYates 150x188

Brian Yates
Serves: Polk County
Office:  863-291-3900
Cell:  863-521-2355
Contact Brian

Apply with Brian Now »

North Florida Counties

Chuck Drayton 150x197

Chuck Drayton
Duval County
Office: 904-381-7054
Contact Chuck


Apply with Chuck Now »

Vicki Hicks

Vickie Hicks
Marion, Duval, Clay, St. Johns, Nassau
and Putnam Counties
Office: 352-387-1416
Cell:  352-470-6529
Contact Vickie

Apply with Vickie Now »

South Florida Counties

Trina Caulsey

Trina Causley
Miami-Dade County
Office:  305-245-2211
Cell:  334-403-2705
Contact Trina

Apply with Trina Now »

Claudia Cutter
St. LuciePalm Beach, Broward, and Dade Counties
Office:  561-665-4211
Cell:  561-715-6077
Contact Claudia

Apply with Claudia Now »

Terri Ellis

Terri Ellis
Miami-Dade County
Office:  305-245-2211
Contact Terri

Apply with Terri Now »


Lisa Feliciano
Monroe County
Office: 305-852-0516
Cell:  305-766-0643
Contact Lisa

Apply with Lisa Now »

Jennifer Lafferty 150x188

Jennifer Lafferty
Hendry and Okeechobee Counties
Office:  863-763-0132
Cell:  863-801-9229
Contact Jennifer

Apply with Jennifer Now »

Paul Patten

Paul Patten
Martin County
Office:  772-426-8100
Cell:  772 631-3019
Contact Paul

Apply with Paul Now »

Which Mortgage is right for you?

Reverse Mortgage

Gives you the ability to live in your home, use its equity and make no payments. Contact our Specialist below to request more information. (Available for applicants 62 years of age and older)

Joyce Brock
Joyce Brock
Reverse Mortgage Specialist
Office:  863-683-2300
Cell:  863-602-0984
Contact Joyce

Fixed-rate Mortgage

With a fixed rate mortgage you will have the same interest rate for the life of your loan. And, you can choose from a wide variety of repayment terms.

Adjustable Rate Mortgage

A mortgage with an interest rate and payment that changes periodically over the life of the loan based on changes in a specified index.

Construction Perm Loan

A fixed rate mortgage or adjustable rate mortgage that finances both the land and construction in one loan. When construction is complete the loan converts into a fully amortizing mortgage.


Refinance your current mortgage to obtain a lower interest rate or to tap into the equity of your home.

Jumbo Loans

Mortgage loans over $417,000.00. Terms and underwriting requirements may vary from conforming loans.

Low Down Payment Government Financing/VA/USDA/ Conventional Loans

Up to 100% Financing Available
Credit challenged? Credit Counseling Available

Lot Loans

Congratulations on finding the perfect location to build your future home. Whether your plan is to build now, or invest in your dream property for use at a later date, a lot loan is the perfect way to secure that parcel of land. Contact your mortgage professional today to learn more about the details of your lot loan with CenterState Bank.

Rehab Loans

Loans for repair on your existing home

Home Equity Line of Credit

Follow the Home Equity LOC link above to learn more.