Residential Mortgage Home Loans

Welcome to the 1st Continental Mortgage Corporate website. We very much look forward to the opportunity to assist you with your home financing needs. Presently, we originate residential mortgage loans within the states of Florida, Georgia and Alabama, and assist home buyers and home owners just like you with a wide range of purchase and refinancing options. We offer fast turn around times with expedited closings and, in many instances, we can close at your work or home.

Overview of the Programs We Offer:

• FHA Mortgage Programs
• VA Mortgage Programs
• Fixed Rate Mortgage Programs
• Sub-Prime Mortgage Programs
• Jumbo and Super Jumbo Mortgage Programs
• Specialized Financing - Stated, No Doc and Nina Mortgage Programs
• Manufactured Homes with Land

With loan officers located throughout the TRI-State area, and some of the industries most competitive interest rates, we invite you to contact us toll free at 1-866-867-6400 or simply complete our Quick Inquiry form to have one of our professional Home Lending Specialists call you at a time that is convenient to you.

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FHA Home Loans

1st Continental Mortgage. is a HUD approved Florida Georgia and Alabama mortgage lender. The FHA home loan provides easier access to low rate mortgage programs designed for low to moderate income families. If you are a first time home buyer, have little savings, or have credit dings, our FHA mortgage program may best meet your needs more so than the typical conventional home loan programs.

The FHA Product Line Offers:

• 30 Year Fixed Rate Mortgage
• 15 Year Fixed Rate Loans
• 1 Year ARM Program
• Streamline Refinancing

Facts that make the FHA Loan ideal for the average home buyer:

1. The Program is credit driven rather than based upon a credit score.
2. High Approval Flexibility for Credit Dings.
3. No credit history is required to be eligible for a home loan.
4. College acts as your job history for those new to the work force.
5. You can finance these residential property types: Single Family Homes, Duplex, Townhouse, Condo's and Manufactured Homes with land.
6. Works easily with Grants and Charities that assist home buyers with Down Payment money.
7. Typically up to 6% in seller concessions are allowed.
8. Everyone is eligible with no income restrictions.
9. Interest Rates are typically lower than comparable conventional rates.
10. Absolutely no prepayment penalties are allowed.

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VA Mortgage Program

VA Home Loans are very much like the FHA Mortgage Program. The VA Mortgage Program uses existing eligible income and credit, rather than credit score. You must be a DD-214 eligible VA Veteran and provide a copy of your existing VA certificate of eligibility. If you've already used your eligibility, you can restore it or have some remaining for an additional VA Loan.

Our Georgia, Alabama and Florida VA Loan Program Offers The Following Loan options:

• 30 Fixed Rate Home Loan
• 15 Year Fixed Rate Home Loan
• 1 Year Adjustable Rate Mortgage
• Streamline Refinancing

Facts that make the VA Home Mortgage ideal for eligible Veterans:

• 100% financing.
• Loan Limits are comparable to conventional programs.
• Low interest rates.
• Offers both fixed and adjustable rate mortgages
• Easy streamline refinancing with no income documentation requirements.

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Conventional Home Loans

Looking for a regular old Conventional Mortgage? Well, we offer that to. A conventional home loan is based upon underwriting and loan limit standards as established by Fannie Mae and Freddie Mac. These programs offer the full range of financing from 30 Year Fixed Rates to Adjustable Rate Mortgages all the way to specialty programs such as State Income Home Loans and No Documentation Mortgages.

These programs are designed with Seasoned Home Buyers and Home Owners with good to excellent credit in mind. First time home buyers may have a more challenging process because of a lack of home ownership history. We do offer a conventional mortgage program designed for First Time Home Buyers with easier credit qualifying and down payment standards. This emerging markets program is a Freddie/Fannie product designed to compete with the FHA Home Loan and offer up to 103% financing. As with all conventional mortgage programs, this loan is credit score driven and credit quality driven.

Our Conventional Residential Home Loan Products Include:

• 30 Year Fixed Rate Loan
• 20 Year Fixed Rate Loan
• 15 & 10 Year Fixed Rate Loan
• Interest Only Programs
• 1/1, 3/1, 5/1, 7/1 and 10/1 Adjustable Rate Mortgage
• Up to 103% Financing
• Construction Perm Financing
• Stated Income Mortgage
• No Income No Asset (NINA)
• No Ratio Loan Programs
• No Documentation (No Doc) Mortgage Loan
• 90% Non-Owner Occupied Residential Loan

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Bad Credit Home Loans

If you have challenged credit and find yourself unable to qualify for our low interest rate FHA Mortgage program, 1st Continental Mortgage offers a wide range of Sub-Prime mortgage programs to assist home buyers. Our product range can help home buyers with credit scores starting with a mid-FICO® score of 500 and provides up to 100% financing.

The Range of Products Offered Under Our Sub-Prime Mortgage Program:

• 30 Year Fixed Mortgage
• 20 Year Fixed Mortgage
• 10 & 15 Year Fixed Mortgage
• 2/2/8 ARM Mortgage
• 3/2/7 ARM Mortgage

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Jumbo Mortgage Loans

1st Continental Mortgage offers Alabama, Georgia and Florida residential Jumbo and Super Jumbo mortgage loan products for qualified high income home buyers. These programs cover the full range of options from Stated Income, No Documentation, NINA and Full Documentation mortgage loan programs for loan amounts up to $5M with very competitive rates and terms.

Home Buyer and Refinance Products Include:

• 30 Year Fixed Rate Jumbo Mortgages
• 20 Year Fixed Rate Jumbo Mortgages
• 15 & 10 Year Fixed Rate Jumbo Mortgage
• Interest Only Programs
• State Income Jumbo Mortgage
• No Income No Asset Jumbo Mortgage
• No Ratio Jumbo Mortgage
• No Documentation (No Doc) Jumbo Mortgage
• Adjustable Rate Jumbo Mortgage:
  1. 1/1, 3/1, 5/1 and 7/1 ARM Products

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Non-Conforming Mortgage Programs

Non Conforming loans are mortgage programs with guidelines outside of those established by traditional conventional financing. They off the full range of financing options and expand beyond traditional mortgage products offered using conventional Fannie/Freddie underwriting guidelines. From a more flexible qualifying credit score requirement to wider financing options including loan amounts which exceed conventional mortgage restrictions. Underwriting for these mortgage programs include both Automated and Manual underwriting.

Mortgage Programs Include:

• 40 Year Fixed Rate Mortgages
• 30 Year Fixed Mortgages
• 20/15/10 Year Fixed Mortgages
• 6 Month, 1/1, 1/6, 3/1, 3/6, 5/1, 5/6, 7/1, 7/6, 10/1, 10/6, 5/2/5, 2/2/6
• True No Documentation - No Doc Loan
• Stated Income Loans
• No Ratio Mortgage
• No Income No Asset (NINA) Mortgage
• 80/20 Combination Mortgage
• 80/15 Piggie Backs
• 80/10/5 Piggie Backs
• Up To 106% Financing
• Up To 100% Non Owner Occupied Programs

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Adjustable Rate Mortgage Loans

Many home buyers and Home Owners like the adjustable rate mortgage for its lower starting interest rates, flexible terms and with some programs, the ability to pick your own payment. Rates typically start between 1% to 2% below conventional 30 year fixed rate mortgage rates. All adjustable interest rates are tied to an index which determines present and future rates the borrower pays. Every program has an life time cap on how high the interest can go. Caps very by program offering and the same 5/1 program can have multiple interest rate caps.

Many programs offer the financing options many fixed rate loans have to include:

• Stated Income Programs
• NINA - No Income No Assets Programs
• No Documentation - No Doc Programs
• No Ratio Programs
• Non Owner Occupied Programs
• Traditional ARM Programs
• Credit Challenged ARM Programs
• Because of the Low Start Rate, most require a prepayment period equal to the fixed period of the loan

Adjustable Rate Mortgage Terms Include:

1. 6 Month - Fixed First 6 Months, adjusts every 6 months
2. 1/1 - 1 Year Fixed, adjusting once a year
3. 1/6 - 1 Year Fixed, adjusting every 6 months
4. 2/2/6 - 2 Years Fixed, adjusting twice a year with a maximum increase of 6% over the life of the loan
5. 2/2/8 - 2 Years Fixed, adjusting twice a year with a maximum increase of 8% over the life of the loan
6. 3/2/7 - 3 Years Fixed, adjusting twice a year with a maximum increase of 7% over the life of the loan
7. 3/1 - 3 Years Fixed, adjusting once a year
8. 3/6 - 3 Years Fixed, adjusting every 6 months
9. 5/2/5 - 5 Years Fixed, adjusting twice a year with a maximum increase of 5% over the life of the loan
10. 5/1 - 5 Years Fixed, adjusting once a year
11. 5/6 - 5 Years Fixed, adjusting every 6 months
12. 7/1 - 7 Years Fixed, adjusting once a year
13. 7/6 - 7 Years Fixed, adjusting every 6 months
14. 10/1 - 10 Years Fixed, adjusting once a year
15. 10/6 - 10 Years Fixed, adjusting every 6 months
16. Pick A Payment - Start Rate 1% to 4.25%, Negative Amortization, adjustments begin immediately and occur monthly

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Home Equity Lines

As property values escalate, home buyers who took advantage of lower interest rates might not want to refinance in order to make improvements to their home, consolidate debts or simply use the equity built up in their home. 1st Continental Mortgage offers home equity lines at great rates up to $1 Million. Financing options include Traditional Full Documentation and Stated Income Documentation Types.

HELOC Product Options

• Loan Amounts to $1 Million
• Interest Only Options
• Fixed & Adjustable Rate Terms
• 5 Year Loan
• 7 Year Loan
• 10, 15, 20 & 25 Year Loans
• 30/5 Year Loan
• 30/10 Year Term
• 30/15 Year Loan
• State Income Option
• Up to 100% Stated Income Interest Only Purchase Terms
• No Prepayment Penalties on Most Products
• Non-Owner Occupied Financing Options

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2nd Mortgage Programs

Our second mortgage program is designed to allow home buyers to utilize equity within their home to pay off debt, make home improvements, purchase a vehicle, pay for college tuition or simply cash out. Our program offers both fixed and adjustable rates and up to 30 year terms. In many instances, no appraisal is needed and offer up to 125% CLTV (Combined Loan To Value).

Typical 2nd Mortgage Program Terms:

• Stated Income Programs
• Alternative Documentation Programs
• Non-Owner Occupied
• Second Homes
• 30 Year Repayment
• 20 Year Repayment
• 15 Year Repayment

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Mobile Home Loans

Today's home buyer knows that the cost of buying the conventional residence has escalated in many areas to the point that a new manufactured home may be a better option. Today's mobile home standards exceed the building and safety requirements of the standard "Brick and Mortar" home while offering far more amenities, square feet and options compared to traditional residential homes based upon a cost analysis. We offer highly competitive rates and financing terms typically equal to those offered for conventional residential home loans with up to 97% financing, typically allow down payment assistance and up to 6% seller concessions.

Product Types Offered For Manufactured Home Loans:

• 30 Year Fixed Rate Mortgage
• 15 Year Fixed Rate Home Loan
• 1/1 Adjustable Rate Mortgage

Benefits of Doing Business With 1st Continental Mortgage:

• Interest rates typically comparable to conventional rates.
• Up to 6% seller concessions are allowed.
• The home must be tied to the land.
• Up to 97% financing.
• Down Payment Programs can be used.
• Credit dings are typically over looked.

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Reverse Mortgages

Home owners who are 62 years or older and maintain a small mortgage balance or have paid off their home are eligible to participate in the HUD reverse mortgage program. The Reverse Mortgage is designed to supplement retirement income and allow older home owners to utilize equity to better enjoy retirement.

No repayment is required as long as the owner resides in the property nor are there asset or income limitations to the borrow. The older you are, the higher the percentage of your home's value you can borrow against. Give us a call to find out more!

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Refinance Loans

Is your monthly mortgage payment taking to big a bite out of your monthly budget? Maybe you have an adjustable rate mortgage you want to move into a fixed rate loan before rates escalate. Was your first home financed under a subprime program and now you're ready to try for a low rate FHA Mortgage? Maybe you want to cash out, but maintain your current terms so you can still meet you home payoff goals. Whatever your reason, we offer highly competitive rates and terms across hundreds of programs that will meet your financing needs.

Refinance Home Loan Options Include:

• FHA Streamline Mortgage
• VA Streamline Home Loan
• 40 Year Fixed Rate Mortgages
• 30 Year Fixed Mortgages
• 20/15/10 Year Fixed Mortgages
• 6 Month, 1/1, 1/6, 3/1, 3/6, 5/1, 5/6, 7/1, 7/6, 10/1, 10/6, 5/2/5, 2/2/6
• True No Documentation - No Doc Loan
• Stated Income Loans
• No Ratio Mortgage
• No Income No Asset (NINA) Mortgage
• 80/20 Combination Mortgage
• 80/15 Piggie Backs
• 80/10/5 Piggie Backs

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Stated Income Mortgage

Whether purchasing or refinancing your home or investment property, we offer highly competitive rates on programs for self employed or 1099 borrowers. We also offer stated income programs for W-2 clients who are simply unable to show all of their income. The stated income loan allows borrowers to state income without documenting sources. This programs is available in our Conforming Conventional Loan, Non-Conforming Mortgage Programs, 2nd Mortgage Programs, Home Equity Programs, Jumbo Mortgages, Sub-Prime Programs and is offered in both our Fixed Rate Mortgage and our Adjustable Rate Mortgage Products.

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No Ratio Home Loans

Our No Ratio Mortgage Program allows home buyers, refinance clients and real estate investors to achieve a competitive interest rate without disclosing income. This program is ideal for the self employed and investor whose net after tax income is below what is normally considered acceptable, but can show significant assets to support adequate income to meet financial due diligence.

This program is available in our Conventional Mortgage, Non-Conforming Product Range, Investor Programs and Jumbo Home Loans. This product is available with both Fixed and Adjustable Rate terms.

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No Income No Asset Mortgage

Our NINA Program is ideal for the self employed and real estate investor whose net after tax income is below what would be considered acceptable and whose available liquid assets are inadequate due to the type of business or real estate holdings funds are tied into. This program is available for purchase and refinance mortgage loans.

This program has limited availability in our Conventional Home Loan Portfolio, the Non Conforming Mortgage Offerings and the Jumbo Mortgage Programs. The NINA Program is offered with both Fixed and limited ARM Terms.

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No Documentation Home Loans

The No Documentation Mortgage Loan is designed for high credit score home buyers who wish to simplify the loan application process. No employment, income, assets or liabilities are factored into the loan decision. With the No Doc loan, only the home buyer or home owners credit is factored into the decision. This program is available with up to 95% financing and is available for both Purchase and Refinance in addition to being available for real estate investors with sufficient equity or down payment.

The No Documentation Loan is available in our Conventional and Non Conforming Mortgage Product Lines with both Fixed rate and Adjustable Rate products being available for this program.

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Non-Owner Occupied Loans

We offer a wide range of residential real estate investment term and options for the savvy investor. From the full spectrum of adjustable and fixed rate mortgages to Full Documentation, No documentation, NINA, No Ratio, and State Income mortgage products. These products include financing options from our 100% full documentation program to 80/10 and 75/15 piggie back programs. With such a wide range of options, we'd love the opportunity to asses your situation and to identify how we can best meet your real estate investment needs.

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About Us

1st Continental Mortgage opened its doors with the belief that our customers deserve the best rates and options available to meet their individual life style. We accomplish our client goals through continuous industry training which provides knowledgeable and experienced loan officers who deliver the best products and programs tailored around you.

Since that time the mortgage industry has matured, and we believe, followed our lead. We continue to offer our clients the best service and lending options tailored to fit where you are financially in your life; providing not just a mortgage loan, but a home loan that helps you, our clients, achieve your long term financial dreams. We grown as well expanding our reach to assist homeowners and home buyers in Florida, Georgia, Alabama, Alaska, California, Colorado, Louisiana, Maryland, Missouri, Mississippi, Minnesota, New Mexico, North Carolina, Pennsylvania, South Carolina and Tennessee. While there are many more states we will be expanding to, we a proud of the work we have done to assist clients throughout or market to achieve low rates and successful financing.

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Where We Lend

1st Continental Mortgage originates home loans in the states of Florida, Georgia and Alabama. We presently have loan representative located throughout most of these communities who are available to assist prospective home buyers and refinance clients meet their mortgage needs.

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First Time Home Buyers

If you're a first time homebuyer, one of the most difficult obstacles to overcome is the fact you have no "mortgage" history with which a lender can review to make a sound decision. In these situations, length of employment - job stability - income to debt ratios and past credit history become highly pronounced in the conventional residential home lending market.

We offer several low rate alternatives which help you to achieve your dream of buying a home at highly competitive rates. The most effective residential mortgage is the FHA Loan. This program allows credit dings and typically bellow market rates for comparable conventional programs. Eligible Veterans will find the same benefits and 100% financing with the VA Mortgage Program. Finally, we offer a conventional mortgage for first time home buyers as well that offer competitive rates, in some instances credit dings and up to 103% financing which allows an eligible borrower to finance some of the costs to close.

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Down Payment Assistance

Depending upon your credit, job history and rental history, some buyers will simply need to have some form of down payment to "invest" in the prospective home purchase. We work with with a wide range of assistance programs throughout the states of Florida, Georgia and Alabama to assist qualified home buyers with any additional necessary down payment and closing cost money needed to close on their first home purchase.

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Property Taxes

The property tax you pay can play a huge role in the amount of home you can actually afford to purchase. On average, property taxes on a residential home purchase make up 15% of a home buyers monthly mortgage payment when included in the PITI factor for qualifying. We highly recommend that our customers review the property taxes on any home with one of our associates prior to contracting. To help you, we've provided links to your county property tax authorities for the state of Florida:

Alachua County - Alachua, Archer, Gainesville (County Seat), Hawthorne, High Springs, La Crosse, Micanopy, Newberry, and Waldo Baker County - Glen Saint Mary, Olustee, Macclenny and Sanderson Bay County - Callaway, Cedar Grove, Lynn Haven, Mexico Beach, Panama City, Panama City Beach, Parker and Springfield Bradford County - Brooker, Hampton, Lawtey and Starke (County Seat) Brevard County - Barefoot Bay, Cape Canaveral (Port Canaveral), Cocoa, Cocoa Beach, Indialantic, Indian Harbor Beach, Malabar, Melbourne, Melbourne Beach, Melbourne Village, Palm Bay, Palm Shores, Rockledge, Satellite Beach, Titusville (County Seat), Viera and West Melbourne Broward County - Coconut Creek, Cooper City, Coral Springs, Dania Beach, Davie, Deerfield Beach, Fort Lauderdale, Hallandale Beach, Hillsboro Beach, Hollywood, Lauderdale Lakes, Lauderdale By The Sea, Lauderhill, Lazy Lake, Lighthouse Point, Margate, Miramar, North Lauderdale, Oakland Park, Parkland, Pembroke Pines, Plantation, Pompano Beach, Sea Ranch Lakes, Southwest Ranches, Sunrise, Tamarac, Weston, West Park, and Wilton Manors Charlotte County - Punta Gorda, Boca Grande, Charlott Harbor, Englewood, Grove City, Mansota Key, and Port Charlotte Citrus County - Beverly Hills, Black Diamond, Ctirus Hills, Citrus Springs, Crystal River, Floral City, Hernando, Homosassa Springs, Homosassa, Inverness (County Seat), Lecanto, Pine Ridge and Sugarmill Woods Clay County - Green Cove Springs, Keystone Heights, Orange Park and Penney Farms Collier County - Everglades City, Marco Island and Naples Columbia County - Fort White, Lake City (County Seat), Lulu and Watertown Dade County - Aventura , Bal Harbour , Bay Harbor Islands , Biscayne Park , Coral Gables , Cutler Ridge , Doral , El Portal , Florida City , Golden Beach , Hialeah , Hialeah Gardens , Homestead , Indian Creek , Islandia , Key Biscayne , Medley , Miami , Miami Beach , Miami Gardens , Miami Lakes , Miami Shores , Miami Springs , North Bay Village , North Miami , North Miami Beach , Opa-locka , Palmetto Bay , Pinecrest , South Miami , Sunny Isles Beach , Surfside , Sweetwater , Virginia Gardens and West Miami Desoto County - Arcadia (County Seat), Brownville, Cubitis, Fort Ogden, Hull, Lake Suzy, Lansing, Nocatee, Southfort, Pine Level and Platt Duval County - Atlantic Beach, Baldwin, Jacksonville, Jacksonville Beach and Neptune Beach Escambia County - Century and Pensacola Flagler County - Beverly Beach, Bunnell, Flagler Beach, Marineland and Palm Coast Franklin County - Apalachicola, Carrabelle, Eastpoint and St. George Island Gadsen County - Chattahoochee, Greensboro, Gretna, Havana, Midway, Mount Pleasant and Quincy (County Seat) Gilchrist County - Trenton, Fanning Springs and Bell

Hamilton County - Jasper, Jennings and White Springs Hardee County - Bowling Green, Wauchula and Zolfo Springs Hendry County - Clewiston, Harlem, La Belle and Port La Belle Hernando County - Brooksville (County Seat), Spring Hill and Weeki Wachee Hillsborough County - Apollo Beach, Balm, Bloomingdale, Brandon, Carrollwood Village, Dover, Gibsonton, Lithia, Lutz, Mango, Orient Park, Plant City, Riverview, Ruskin, Seffner, Sun City Center, Tampa (County Seat), Temple Terrace, Thonotosassa, Valrico, Wimauma and Ybor City Highlands County - Avon Park, Lake Placid and Sebring Indian River County - Fellsmere, Indian River Shores, Orchid, Roseland, Sebastian and Vero Beach (County Seat) Jefferson County - Alford, Bascom, Campbelltown, Cottondale, Graceville, Grand Ridge, Greenwood, Jacob City, Malone, Marianna (County Seat) and Sneads Lafayette County - Day and Mayo (County Seat) Lake County - Altoona, Astatula, Astor, Bassville Park, Clermont, Eustis, Forest Hills, Fruitland Park, Groveland, Howey-In-The-Hills, Lady Lake, Leesburg, Mascotte, Minneola, Montverde, Mount Dora, Mount Plymouth, Paisley, Sorrento, Tavares, Umatilla and Yalaha Lee County - Fort Myers and Cape Coral Leon County - Tallahassee (County Seat) and Woodville Madison County - Greenville, Lee and Madison (County Seat) Manatee County - Anna Maria, Bradenton (County Seat), Bradenton Beach, Holmes Beach, Longboat Key, Myakka City, Oneco and Palmetto Marion County - Belleview, Citra, Dunnellon, Eureka, Fort McCoy, McIntosh, Ocala, Reddick and Summerfield Martin County - Jupiter Island, Ocean Breeze Park, Sewall's Point, Stuart, Hobe Sound, Jensen Beach and Palm City Monroe County - Islamorada, Key Coloney Beach, Key West, Layton and Marathon Nassau County - Nassau Village-Ratliff, Yulee, Crawford, Dahoma, Kent, Italia, Dyal, Ingle, Kings Ferry, Lessie, Boulougne, O Neill, Andrews, Evergreen, Verdie, Callahan, Fernandina Beach, Hilliard and Bryceville Okaloosa County - Cinco Bayou , Crestview , Destin , Fort Walton Beach , Laurel Hill , Mary Esther , Niceville , Shalimar and Valparaiso Okeechobee County - Cypress Quarters and Okeechobee (County Seat)

Orange County - Apopka, Bay Lake, Belle Isle, Christmas, Doctor Phillips, Eatonville, Edgewood, Lake Buena Vista, Maitland, Oakland, Ocoee, Orlando, Windermere, Winter Garden and Winter Park Osceola County - Campbell, Celebration, Kissimmee, Poinciana and St. Cloud Palm Beach County - Atlantis , Belle Glade , Boca Raton , Boynton Beach , Briny Breezes , Cloud Lake , Delray Beach , Glen Ridge , Golf , Greenacres , Gulf Stream , Haverhill , Highland Beach , Hypoluxo , Juno Beach , Jupiter , Jupiter Inlet Colony , Lake Clarke Shores , Lake Park , Lake Worth , Lantana , Manalapan , Mangonia Park , North Palm Beach , Ocean Ridge , Pahokee , Palm Beach , Palm Beach Gardens , Palm Beach Shores , Palm Springs , Riviera Beach , Royal Palm Beach , South Bay , South Palm Beach , Tequesta , Wellington and West Palm Beach Pasco County - Dade City (County Seat), Gulf Harbors, Holiday, New Port Richey, Odessa, Port Richey, San Antonio, Shady Hills, St. Leo, Trinity, Wesley Chapel and Zephyrhills Pinellas County - Belleair, Belleair Beach, Belleair Bluffs, Belleair Shore, Clearwater (County Seat), Dunedin, Gulfport, Indian Rocks Beach, Indian Shores, Kenneth City, Largo, Madeira Beach, North Redington Beach, Oldsmar, Pinellas Park, Redington Beach, Safety Harbor, Seminole, South Pasadena, St. Pete Beach, St. Petersburg, Tarpon Springs, Treasure Island and Ozona Polk County - Auburndale, Bartow, Davenport, Dundee, Eagle Lake, Fort Meade, Frostproof, Haines City, Highland Park, Hillcrest Heights, Lake Alfred, Lake Hamilton, Lake Wales, Lakeland, Mulberry, Polk City and Winter Haven Putnam County - Crescent City, East Palatka, Interlachen, Palatka, Pomona Park and Welaka St. Johns County - Hastings, Marineland, St. Augustine and St. Augustine Beach St. Lucie County - Fort Pierce (County Seat), Port St. Lucie and St. Lucie Village Santa Rosa County - Gulf Breeze, Jay and Milton Sarasota County - Nokomis, Osprey, North Port, Sarasota (County Seat) and Venice Seminole County - Altamonte Springs, Casselberry, Geneva, Lake Mary, Longwood, Oviedo, Sanford and Winter Springs Sumter County - Bushnell, Center Hill, Coleman, Lake Panasoffkee, Sumterville, Oxford, The Villages, Webster and Wildwood Suwannee County - Branford, Dowling Park, Live Oak (County Seat), McAlpin and Three Rivers Volusia County - Daytona Beach, Daytona Beach Shores, DeBary, DeLand (County Seat), Deltona, Edgewater, Holly Hill, Lake Helen, New Smyrna Beach, Oak Hill, Orange City, Ormond Beach, Pierson, Ponce Inlet, Port Orange and South Daytona Union County - Lake Butler (County Seat), Raiford and Worthington Springs Wakulla County - Crawfordville (County Seat), Sopchoppy, Smith Creek, St. Marks, Wakulla Beach and Wakulla Springs Walton County - De Funiak Springs Washington County Caryville, Chipley, Ebro, Sunnyville, Vernon and Wausau

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Doing Business In: Florida, Georgia, Alabama, Alaska, California, Colorado, Louisiana, Maryland, Missouri, Mississippi, Minnesota, New Mexico, North Carolina, Pennsylvania, South Carolina and Tennessee