Ready to buy your dream home? Start your purchase journey today with competitive rates and expert guidance.
Lower your monthly payments or access your home equity with our refinancing options.
Access calculators, guides, and tools to help you make informed mortgage decisions.
Learn more about our company, explore career opportunities, and discover our impact on the mortgage industry.
Proudly serving clients across Florida.
With 28 years of experience as a trusted mortgage advisor, Cynthia Thomas is passionate about helping clients navigate the home financing process with confidence. Whether you’re a first-time homebuyer or looking to refinance, her goal is to offer personalized, strategic mortgage solutions tailored to your unique goals. Known for her in-depth understanding of loan products, competitive market rates, and local real estate trends, Cynthia works tirelessly to ensure clients receive the best possible financing options. She is committed to making the mortgage process as straightforward and transparent as possible, guiding clients through each step with clear communication and expert advice. By building strong, lasting relationships with borrowers, real estate agents, and other professionals, she ensures every transaction runs smoothly, with successful outcomes. Her approach is rooted in trust, integrity, and a genuine desire to see clients succeed in achieving their homeownership dreams. Outside of work, Cynthia loves spending time with her family, enjoying the local seafood and her two doodles, Chewbacca and Sully.
Cynthia by far was one of the best officers I have worked with. She was responsive, and helped pave the way for my first time buyers. Thank you Cynthia!!!! - Hailee Erica Hailee Sopchoppy, FL April 29 Rating: 5.0 out of 5.0 from Encompass
Cynthia by far was one of the best officers I have worked with. She was responsive, and helped pave the way for my first time buyers. Thank you Cynthia!!!! - Hailee
I'm a carpenter and do not use technology. Cynthia made the online process smooth and easy for me. She was patient and considerate with all my questions and concerns. I was surprised at how easy the process was. Thank you so much Cynthia. I appreciate everything you have done for me. Joseph Allen Lanark Village, FL April 24 Rating: 5.0 out of 5.0 from Encompass
I'm a carpenter and do not use technology. Cynthia made the online process smooth and easy for me. She was patient and considerate with all my questions and concerns. I was surprised at how easy the process was. Thank you so much Cynthia. I appreciate everything you have done for me.
Everything was explain very good, the staff seemed very professional and made things as smooth as possible and very friendly Christopher Sopchoppy, FL April 23 Rating: 5.0 out of 5.0 from Encompass
Everything was explain very good, the staff seemed very professional and made things as smooth as possible and very friendly
a lender that ALWAYS goes the extra mile. Thank you again! Karen Ann Crawfordville, FL April 20 Rating: 5.0 out of 5.0 from Encompass
a lender that ALWAYS goes the extra mile. Thank you again!
The kindness and caring through this process was greatly treasured. I appreciated Cynthia's compassion and honesty with each communication. Her wealth of knowledge, as told by others, was confirmed with my experience. Thank you! Cathy Tallahassee, FL April 16 Rating: 5.0 out of 5.0 from Encompass
The kindness and caring through this process was greatly treasured. I appreciated Cynthia's compassion and honesty with each communication. Her wealth of knowledge, as told by others, was confirmed with my experience. Thank you!
The great communication and being on top of things Rebecca Leigh-Ann Bristol, FL April 16 Rating: 5.0 out of 5.0 from Encompass
The great communication and being on top of things
The loan team was filled with amazing people I couldn't have wished for a better team they got things done quick and were very knowledgeable on everything! Cora Carrabelle, FL April 15 Rating: 5.0 out of 5.0 from Encompass
The loan team was filled with amazing people I couldn't have wished for a better team they got things done quick and were very knowledgeable on everything!
Constant communication and hard work that was done by the team. David Edward Crawfordville, FL April 15 Rating: 5.0 out of 5.0 from Encompass
Constant communication and hard work that was done by the team.
She was very informative and had excellent communication skills, which made the entire process a breeze. Truly wonderful to work with. Jeffrey Lyn Crawfordville, FL March 27 Rating: 5.0 out of 5.0 from Encompass
She was very informative and had excellent communication skills, which made the entire process a breeze. Truly wonderful to work with.
Cynthia was very personable and wonderful to work with Woody E Crawfordville, FL February 18 Rating: 5.0 out of 5.0 from Encompass
Cynthia was very personable and wonderful to work with