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If you have full entitlement, North Carolina VA home loans have no limit for loans over $144,000.
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Stephanie lives in Orlando, Florida with her husband and two children where she spends most of her free time at the basketball gym, baseball fields, tennis courts and traveling with her family.Calculate Your Debt Service Coverage Ratio (DSCR) She graduated from the University of Florida with a Bachelor of Science in Sports Marketing.

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Prior to joining FBC Mortgage Stephanie worked in marketing and event/project management with several professional sports entities including the Arena Football League’s Tampa Bay Storm, the NHL’s Tampa Bay Lightning, and International Speedway Corporation (NASCAR). Stephanie also develops and manages all company events and culture programs including sales training conferences and retreats, corporate events, business partner events and incentive trips.


She manages all marketing, advertising, social media and public relations initiatives insuring both consistent branding and compliance in the market areas we serve. Stephanie Simmons serves as the Director of Marketing and Corporate Culture for FBC Mortgage, LLC. He also clerked within the state of Florida’s Department of Business and Professional Regulation assisting its legal staff with administrative enforcement activity. Prior to and during law school, Michael was a Florida-licensed mortgage broker and worked for a compliance company providing auditing services to assure best practices by loan officers for a nationwide lender. Dunn was an active participant in the 2014 Florida loan originator test writing maintenance cycle. He is a participating affiliate member of the American Association of Residential Mortgage Regulators, the Central Florida Compliance Association, the National Mortgage Bankers Association – Legal Issues and Regulatory Compliance Committee, and the Mortgage Bankers Association of Central Florida. He is an active member of the United States Middle and Northern District Courts in Florida. He is a member of the Florida Bar’s Real Property, Probate, and Trust Law Section- Real Property, Finance and Lending Committee, and Young Lawyer’s Division. Michael received his Bachelor of Science degree from the University of Central Florida, his Juris Doctor degree from the Florida A&M University College of Law, and his Master of Business Administration degree from the Crummer Business School at Rollins College. Michael Dunn currently serves as the company’s General Counsel. Joe was named Executive of the Year by the Orlando Business Journal in 2015 and was an Ernst & Young Entrepreneur of the Year recipient in 2017. Graduating from the University of South Florida, he received his bachelor’s degree in business. He has discussed industry topics on CNBC and Fox news as well as participated on numerous industry panels. He has served on the MBA’s Legislative Committee and served on the Board of Adjustment for the City of Longwood, Florida.

Joe is a certified mortgage banker (CMB) through the Mortgage Bankers Association of America. With a strong belief in community, Joe serves on the boards of The Advent Hospital Foundation, The Seminole and Orange County Sheriff Foundations, and the FBC Mortgage Charitable Foundation. from June 1989 until October 2003 and served on the boards of Sunshine Bank (NASDAQ), Southern Community Bank, and Fifth Third Bank of Central Florida (NYSE). Joe was a shareholder and Vice President at American Heritage Mortgage Corp. Prior to co-founding FBC Mortgage, LLC Joe was SVP at First Horizon Home Loans, a NYSE listed company from October 2003 until November 2005 Joe served as CEO and President of The Sterne Agee Group after their acquisition of FBC Mortgage in 2012 and returned to FBC in 2015 after the company re-acquired itself from Sterne Agee. He is a director at One Florida Bank, a Central Florida based community bank. Joe is the Co-CEO of FBC Mortgage, LLC and co-managing member of its parent Pine Court Holdings, LLC.
