About Erica Davis
Erica Davis is a Senior Mortgage Loan Officer with more than a decade in finance. Since 2017, she’s helped over 1,000 individuals and families make Florida—and neighboring states—feel like home. A proud local on the Emerald Coast, Erica calls it “Coastal Country”: sugar-white beaches, rivers even closer, blueberry picking, scenic trails, and historic spots to explore. Weekend adventures often include boating, fishing, fruit picking, and kayaking the Blackwater River with her kids and doggies.
Erica believes lending is about people first—clear communication, education, and seamless execution from pre-approval to closing. Whether it’s a first home, a VA loan, a move-up purchase, or an investment property, she pairs competitive options with fast, transparent service and steady guidance. Working with Erica means a smoother path to keys in hand.
Licensed in FL, AL, GA, TN, and LA.
Home Loan Programs
From FHA, VA, USDA, Conventional, Jumbo, and Non-QM loans — to Refinances and HELOCs — I’ll help you choose the solution that fits your goals and lifestyle.
Education & Guidance
I believe knowledge is power. You’ll always get clear, easy-to-understand explanations so you can make confident decisions without the stress or confusion.
Personalized Loan Strategies
No two families are alike — and neither are their mortgages. Together, we’ll tailor loan terms and options to your financial situation so you feel secure in your choice.
Client-Focused Care
My promise is simple: you’re never just a file on a desk. With personal attention, timely communication, and ongoing support, I make sure you always feel guided, heard, and cared for.
Empowering Homeownership
100%
Client Commitment
5 States
Licensed & Serving Families
500+
Families Guided to Homeownership
15+ Years
Combined Team Experience
Mortgage Options
Conventional Loans
A great choice for buyers with strong credit and steady income. Offers flexibility with down payments starting as low as 3–5%.
FHA Loans
Perfect for first-time buyers or those with lower credit scores. Down payments start at just 3.5%.
VA Loans
Available to veterans, active-duty service members, and their families. Often require no down payment and feature lower interest rates.
Jumbo Loans
For homes priced above conforming loan limits, Jumbo Loans provide financing for higher-value properties. Ideal for buyers in competitive markets who need larger loan amounts.
USDA Loans
Designed for rural and suburban homebuyers. Offers 0% down payment options and affordable financing.
Non-Traditional Loans
(NON-QM)
Options for unique situations, including DSCR, Condo, Bank Statement, and HELOCs, tailored for self-employed borrowers and real estate investors.
Refinancing
Looking to lower your rate, reduce your monthly payment, or access equity? I’ll guide you through refinancing options tailored to your financial goals.
Home Equity Lines of Credit (HELOCs)
Tap into your home’s equity with flexible access to funds for renovations, debt consolidation, or major purchases.
Meet My Team
Because homebuying takes a village — here’s the team that’s here for you every step of the way.
01
Erica Davis
Mortgage Loan Officer
Erica Davis is a licensed Mortgage Loan Officer who believes getting a mortgage should feel empowering, not overwhelming. With a heart for helping families, she combines industry expertise with a personal touch, guiding clients through the process with clarity, care, and confidence. Licensed in Florida, Alabama, Georgia, Tennessee, and Louisiana, Erica is dedicated to making homeownership dreams a reality while building lasting relationships along the way.
02
April Barger
Loan Officer Assistant
April is a newly licensed Loan Officer Assistant and a proud mom of four. While she is new to the mortgage industry, she brings a strong background in management, organization, and client support. Her goal is to make the homebuying journey something clients can enjoy rather than stress over.
With a genuine passion for helping individuals and families move confidently toward homeownership, April is committed to providing clear communication, dependable support, and a positive experience from start to finish. She is excited to bring her skills, compassion, and dedication to every client she serves.
Client Testimonials
Discover how our personalized mortgage solutions have positively impacted our clients' homeownership journeys.
“Thank's Erica you are the best, every thing was fast, clear and satisfactory i will always give you in recommendation”
Luis S.
“Erica and her team are amazing with their easy streamlines processes and excellent communication skills!”
Angela S.
“Erica was so wonderful. She is bery very detail oriented and she walked me step by step, explaining in detail. She is Awesome to work with and I would highly recommend her to anyone looking for a new mortgage!”
Susan L.