Hello! My name is Steve McIntosh, and I’m a loan officer at our Ponte Vedra Beach, FL branch. I specialize in helping first-time homebuyers, Veterans and Service Members achieve their homeownership goals. Whether you’re buying your first home, investing in real estate or looking to refinance, I offer nearly 20 years of home financing experience, local knowledge and dedication to being your trusted partner in home financing.

My team and I are here to guide you every step of the way. We’ll start with a simple conversation about what you need so I can share the loan options that fit your goals. I’ll break down each part of the mortgage process and walk you through the loan programs available. Whether conventional or VA, FHA or Non-QM, we’ll work together to find the right fit.

I’ve lived in the Northeast Florida community since 1995, enjoying everything the first coast has to offer with my wife of 25 years and four children. I’m very active in my church, youth sports, and local organizations.