Office Phone Number:
Ponte Vedra Beach
, Florida 32082
Office Phone Number:
Ponte Vedra Beach
, Florida 32082
Teresa Hale’s passion lies in helping families achieve their dream and building the North East Florida community through homeownership. With over 25 years’ experience in the mortgage industry, Teresa has a deep understanding of finance and the local real estate community. She uses her knowledge to help all families achieve their dreams of homeownership. Over her career she has worked with all types of families, including: those just starting out, those moving up as children get older, those downsizing, and those building their dream home. Teresa’s broad knowledge base enables her to seek out custom scenarios that fit each family’s unique situation. Whether you are a first-time homebuyer, refinancing, or building the home of your dreams, Teresa is uniquely qualified to help you navigate your way. In additional to traditional mortgage financing solutions, IBERIABANK Mortgage is pleased to offer specialty financing programs for clients with unique borrowing needs. (bulleted list) Teresa’s expertise includes: First-time Home Buyers up to 100% financing without Mortgage Insurance Jumbo financing for homes requiring larger loan amounts without mortgage insurance up to 89% of purchase Unique solutions for Professionals designed to meet the needs of licensed medical physicians, dentists, optometrists, pharmacists, veterinarians, CPAs and Attorneys without mortgage insurance Teresa has a distinctive background with experience in both sales and credit underwriting for Banks and Mortgage Companies. She has a proven history as a dynamic mortgage banker in North East Florida. Under Teresa’s leadership, over 10,000 families have bought, built or refinanced their home. Today, she applies that experience, along with her commitment to serve, to help you with your homeownership goals and financial success. Teresa earned her MBA from Auburn University and her undergraduate degree from Tift College. She is a sixth generation Floridian and has earned the designation of Florida Pioneer from Florida’s Genealogical Society. Teresa is committed to giving back to future leaders and financial education serving on the Financial Services Advisory Board of Florida State College of Jacksonville, the Board of Governors Mortgage Bankers Association of Florida and the Board of Governors Mortgage Bankers Association of Jacksonville. “A home is not only most families’ greatest source of wealth building, it is also where holidays are celebrated, kids grow up and our lives are lived. Let me serve your home financing needs.”
Our most popular mortgage. A fixed-rate mortgage provides the security of an interest rate that remains the same throughout the life of your loan. This allows you to plan a budget based on consistent principal and interest payments. We offer a full range of fixed-rate mortgage loans with a variety of terms.
An adjustable-rate mortgage (ARM) offers a low initial interest rate and monthly payment. The rate and payment are fixed for the initial period of one, three, five, seven or ten years with annual adjustments thereafter based on an index such as the yield on U.S. Treasury Securities. Depending on market conditions, your adjusted rate may be higher or lower than your initial rate, but all of our ARMs have periodic and lifetime rate caps to help you plan your payments.
AFFORDABLE HOUSING LOANS & RURAL DEVELOPMENT
Take advantage of government loans with the lowest possible down payment. We offer the best rates and terms available on FHA, VA and Rural Development loans. With the lowest down payment available, these government insured and guaranteed mortgages are ideal for the first-time home buyer.
Tips for Future and Current Homeowners
- Rating 4.0January 7, 2021Teresa was very responsive and always helpful.
- Rating 5.0January 6, 2021Totally professional from start to finish. A GREAT communicator. Kept every single one of her promises.
- Rating 5.0January 6, 2021Great service and always available to answer questions. Went out of her wat to help resolve issues prior to closing.
- Rating 5.0December 17, 2020Great Customer Service. I enjoyed working with Teresa on my refinance
- Rating 5.0December 17, 2020Teresa did an outstanding job with my refi. I highly recommend Teresa to anyone interested in a mortgage refinance.
- Rating 5.0December 17, 2020Teresa is a very nice and knowledgeable person. Great to work with! She does a great job simplifying a complicated process! Highly recommend.
- Rating 5.0October 19, 2020Awesome experience...responsive , professional, amazing understanding of documents, and processes to bring about outcomes for the customer
- Rating 5.0September 23, 2020Professional, Expeditious, timely communication.
- Rating 5.0August 17, 2020Teresa was incredibly helpful and never tired of answering our many questions! She made the process really easy and we recommend her wholeheartedly.
- Rating 5.0August 17, 2020Teresa was amazing to work with!
As first time home buyers the process was very intimidating. However, Teresa took the time to walk us through all of our options and all of the corresponding documents. Our family could not be more thankful for Teresa and her team!
- Rating 5.0July 29, 2020Excellent customer service! Very communicative. Exceeded expectations in all areas. Will look forward to working with her again!
- Rating 5.0July 25, 2020Very helpful and customer focused!
- Rating 5.0July 24, 2020She was great at keeping all parties involved updated as we moved through the loan processing and up to closing.
- Rating 5.0July 15, 2020Teresa was a joy to work with. The process was seamless from start to finish. She was responsive throughout. I couldn't have asked for a better experience.
- Rating 5.0June 11, 2020This was a very smooth closing. I felt Teresa hap great communication which is the most important thing while trying to close a real estate transaction.
- Rating 5.0June 1, 2020Outstanding! Teresa was our loan officer for our refinance, and she was absolutely wonderful to work with. She made the refinance process easy, and we were always impressed with how quickly she responded to our questions. She was very persistent, and her tremendous experience in the business showed through and through. We've worked with other loan officers, and Teresa is by far the best - hands down. We wouldn't recommend anyone else in the Jacksonville area.
- Rating 5.0May 1, 2020I recently worked with Teresa on my mortgage. She was easy to work with from start to finish. She answered all my questions and made the entire process so easy for me. I am glad she was referred to me by a family friend, and I would recommend her as well.
- Rating 5.0April 27, 2020I cannot say enough good things about Theresa! It was an absolute joy to work with her! She is knowledgeable, professional, and always on top of everything. I would jump at the chance to work with her again and I will recommend her to friends and family every time. In what can be a stressful process, Theresa was the guide that made buying our first home a good experience.
- Rating 5.0April 26, 2020She was amazing, friendly helpful and kind.
- Rating 5.0April 25, 2020Teresa is the utmost professional, she oversaw every detail of my customer's mortgage from start to finish always keeping everyone updated with the process. I highly recommend Teresa to handle your mortgage needs.