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 home loans in Florida 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-CenterState Mortgage Professional

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

Apply with Amy Now »

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

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Josh Polston-CenterState Mortgage Professional

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

Apply with Josh Now »

Juli Surface-CenterState Mortgage Professional

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

Apply with Juli Now »

BrianYates-CenterState Bank Mortgage Professional

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

Apply with Brian Now »

North Florida Counties

Chuck Drayton-CenterState Bank Mortgage Professional

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


Apply with Chuck Now »


South Florida Counties

Trina Caulsey-CenterState Bank Mortgage Professional

Trina Causley
Hendry,Okeechobee, and
Miami-Dade Counties
Office:  305-245-2211
Cell:  334-403-2705
Contact Trina

Apply with Trina Now »

Claudia Cutter-CenterState Bank Mortgage Professional

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-CenterState Bank Mortgage Professional

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

Apply with Terri Now »

Lisa Feliciano-CenterState Bank Mortgage Professional

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

Apply with Lisa Now »

Paul Patten-CenterState Bank Mortgage Professional

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

Fixed-rate Mortgage

With a fixed rate home mortgage loan you will have the same interest rate, which will be determined when you take out the loan, for the life of your loan. You can also 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. The index acts as a collective measure of interest rates in the market place, and can often cause fluctuation in your mortgage repayment.

Construction Perm Loan

For those of you that found the perfect blank canvas of land to build your future home, a fixed rate mortgage or adjustable rate mortgage might be the perfect way to go. The construction perm loan finances both the land and construction in one loan. When construction is complete the loan converts into a fully amortizing mortgage.


Interest rates often fluctuate over time. Refinancing your current mortgage to obtain a lower interest rate or to tap into the equity of your home is often a great way to take advantage of lowered interest rates.

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

Not ready to move, but feel like your current home could use a little work? Loans for repair on your existing home are a great way to mix the old with the new.

Home Equity Line of Credit

Follow the Home Equity LOC link above to learn more.

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