Teresa Hale

Mortgage Loan Officer
  • NMLS # 649000
  • 4.9 out of 5.0
    Rating 4.9
    (37 Reviews)
    Office Phone Number:
    Phone
    Office: 904-536-8520
    Cell:
    Address
    250 A1A
    Suite 300
    Ponte Vedra Beach, Florida 32082
    US
    Fax Number
    (904) 395-5618
    Teresa Hale
    NMLS # 649000
    Office Phone Number:
    Phone
    Office: 904-536-8520
    Cell:
    Address
    250 A1A
    Suite 300
    Ponte Vedra Beach, Florida 32082
    US
    Fax Number
    (904) 395-5618

    About Teresa


    About
    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.”

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    Mortgage Options


    FIXED-RATE MORTGAGE

    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.
    ADJUSTABLE-RATE MORTGAGE

    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.

    Reviews


    4.9 out of 5.0
    Rating 4.9
    Total Number of Reviews: 37Click Here to Leave A Review