welcome to

Ft. Walton Beach, FL

What’s the right mortgage for you?

REFINANCE
ACCESS EQUITY
BUY A HOME
About Us
Our Team
our Process
Our Programs
Calculator
Testimonials

About Us

Since our doors opened in 1898 in England, Arkansas, Bank of England Mortgage has been providing down home service. Along with powerful nationwide mortgage loans, we offer clients peace of mind knowing they are working with a credible national mortgage banker. Our success is due primarily to the talent of our people and access to hundreds of mortgage products at industry best pricing. Our management team has a combined 150 years of mortgage experience and is actively involved as members and board members on local, state and national mortgage broker and banker associations.

Meet Our Team

Beth Mangum.jpg

Beth Mangum

Mortgage Loan Officer

NMLS #1816772

bmangum@boemortgage.com
O -
(850) 642-8412
C -
(850) 642-8412
AboutApply Now
John Gill.jpg

John Gill

Mortgage Loan Officer

NMLS #1832220

johngill@boemortgage.com
O -
(850) 699-0669
C -
(850) 699-0669
AboutApply Now
Michael Stoltz.jpg

Michael Stoltz

Mortgage Loan Officer

NMLS #2153729

mstoltz@boemortgage.com
O -
(850) 699-9674
C -
(850) 699-9674
AboutApply Now
Stephen Arrowsmith.jpg

Stephen Arrowsmith

Sales Manager

NMLS #993966

sarrowsmith@boemortgage.com
O -
(850) 699-1383
C -
(850) 699-1383
AboutApply Now
Stephanie Shea.jpg

Stephanie Shea

Mortgage Loan Officer

NMLS #1415625

sshea@boemortgage.com
O -
(850) 362-6488
C -
(850) 217-2833
AboutApply Now

Our Loan Process

Conversation

1
This is one of the most important steps, together we will discuss your short and long term financial goals, so we can customize a loan strategy that’s perfect for you and your future.

Application

2
This is one of the most important steps, together we will discuss your short and long term financial goals, so we can customize a loan strategy that’s perfect for you and your future.

Pre Qualification

3
Now that we know your expectations & goals, and with the right information in had, we will discuss your affordability for a home and your payment strategy. These details may vary based on the type of client we serve and it will be customized to fit your unique financial goals, needs and priorities.

Documents

4
As we continue through the process, we need to keep building your loan file. This step may require for you to submit another requirements that may come up along the process; but don’t worry, your Loan Officer will guide you and support every step of the way!

Find a Home

5
Once you find a home and the seller accepts your offer, we'll arrange for an appraisal and handle the rest of the process. This is where the exciting part begins!

Final Approval

6
The underwriter carefully examines the appraisal, contract, and all other loan documents to ensure that all conditions are met and the necessary documentation is in place for final approval.

Lending is our expertise, but our identity extends beyond

Loan Programs

Fixed-Rate Mortgage

For borrowers that plan to stay in their homes for a long time, Bank of England Mortgage offers several fixed rate mortgage options—including 10, 15, 20, and 30 year programs.

Learn More

Home Equity Loans

With so many programs to choose from, deciding between a home equity loan a line of credit can seem like a daunting task. Whether you want to consolidate debt, pay tuition or make home improvements, the experts at Bank of England Mortgage have the information you need to make a decision and achieve you financial goals.

Learn More

FHA Loans

An FHA loan is a mortgage insured by the Federal Housing Administration. Borrowers with FHA loans pay for mortgage insurance, which protects the lender from a loss if the borrower defaults on the loan.

Learn More

VA Loans

VA Home Loans are available to veterans, service members, and spouses. VA Home Loans are guaranteed by the U.S. Department of Veterans Affairs and can be obtained without a down payment.

Learn More

USDA Loans

BOE Mortgage USDA loans A home loan from the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, is a mortgage loan offered to rural property owners by the United States Department of Agriculture.

Learn More

Jumbo Loans

At Bank of England Mortgage, our specialty is funding the dream of homeownership - no matter the size of the loan or dream - for that matter. That's why we created our jumbo mortgage lending program - a full suite of offerings designed with the needs of borrowers that seek larger loan amounts than were available through traditional lending options.

Learn More

HomeStyle Renovation Loans

Fannie Mae administers various single-family mortgage programs. The HomeStyle program is the primary program for the rehabilitation and repair of single-family properties, second homes and investment properties. As such, it is an important tool for community and neighborhood revitalization and expanding homeownership opportunities.

Learn More

Vacation / Second Home Loans

Bank of England Mortgage's Vacation-Second Home Mortgages offer a broad array of fixed, adjustable, and interest-only options. We work together with our clients to identify the ideal mortgage for your vacation home.

Learn More

Down Payment Assistance

We understand from time to time, we all need a helping hand. So... we're here, beside you every step of the way on your home buying journey.

Learn More

Adjustable Rate Mortgages

Many homebuyers opt for Adjustable Rate Mortgages because they offer a low-interest rate and monthly payment. That's because they meet the needs of homeowners well, and here's why: Most borrowers stay in their homes just five to seven years, making 3-, 5-, or 7-Year ARMs excellent loan options for them.

Learn More

Calculator

Testimonials

Testimonial One

Client, Date

Far far away, behind the word mountains, far from the countries Vokalia and Consonantia, there live the blind texts. Separated they live in Bookmarksgrove right at the coast of the Semantics, a large language ocean

Testimonial One

Client, Date

Far far away, behind the word mountains, far from the countries Vokalia and Consonantia, there live the blind texts. Separated they live in Bookmarksgrove right at the coast of the Semantics, a large language ocean

Testimonial One

Client, Date

Far far away, behind the word mountains, far from the countries Vokalia and Consonantia, there live the blind texts. Separated they live in Bookmarksgrove right at the coast of the Semantics, a large language ocean

Testimonial One

Client, Date

Far far away, behind the word mountains, far from the countries Vokalia and Consonantia, there live the blind texts. Separated they live in Bookmarksgrove right at the coast of the Semantics, a large language ocean

Follow us

Ready to get started?

Apply Today

Need help?

CONTACT US

Frequently Asked
Question

Read faqs