forward commitment FBC Mortgage

Our FBC Mortgage

Homebuyer Guarantee*

Shop for a home with confidence with FBC Mortgage’s Homebuyer Guarantee Program - the next best thing to a cash offer!

We've got your back while you make your dream home a reality.

In today’s fast moving market, we know you don’t have days to wait for an underwriter to review your file once you find your dream home. So we enhanced our processes to include artificial intelligence, meaning that fully underwritten conditional approvals are now available within hours! We are also backing up our approvals with money-back guarantees to give you even more security when you make an offer on your dream home.

We guarantee that we can close your loan within 20 days of receiving a contract (so long as we have already underwritten your application)

We back our underwriting team’s approvals with an earnest money guarantee of up to $5,000 if we do not close your loan on time.

We will NOT charge you an application fee like other lenders!

We will refund you up to $1,000 in appraisal and inspection costs if we miss your closing date due to our error.

FBC Mortgage Homebuyer Guarantee Program Terms & Conditions

  1. This is not a mortgage loan approval nor a commitment to lend and is subject to the consumer satisfying all underwriting guidelines and loan approval conditions, including the identification of a property that is acceptable as collateral to FBC Mortgage, LLC, or any of its parents, subsidiaries, joint ventures, or affiliated entities (hereinafter referred to as “FBC”) and the satisfaction of all appraisal and title-related requirements.
  2. The Home Loan Guarantee Program (the “Program”) covers preapproval of the provided credit documentation. The Home Loan Guarantee will only apply if there are no material changes in the consumer’s credit or submitted documentation between the date of preapproval and the date of closing. “Material changes” shall include changes in underwriting guidelines, changes of the loan amount or loan product, loss or change of employment or income, discovery by FBC of undisclosed liabilities or increases in debt, and fraud, misrepresentations, or material omissions in the loan application and supporting documentation.
  3. This only applies to loans to be funded or funded using the Program by FBC using conventional, FHA and VA loan programs for one to four family dwelling units only and excludes second liens, investment properties, refinance loans, renovation loans, non-purchase money home equity lines of credit, interim construction loans or other temporary financing, loans brokered to or by FBC, loans involving short sales, or any other purchase contract that requires the approval from a third party (e.g., a lender, relocation company, etc.).
  4. The designated property must be occupied as the consumer’s primary residence and the purchase of this property cannot be contingent on the sale of another property.
  5. The consumer must provide the fully executed purchase and sales contract to FBC within 48 hours of full execution.
  6. All additional documentation requested by FBC must be provided within 48 hours.
  7. The consumer must lock their loan with FBC at least 15 days before the purchase and sale closing date.
  8. Any client, seller, or third-party delays, by act or omission, will void the guarantee (e.g., unavailability for any reason, failure to provide requested documentation, failure to timely sign loan documentation, etc.).
  9. All payments are subject to maximum allowable lender credit and minimum contribution requirements under applicable loan programs (e.g., FHA, VA, Fannie Mae, Freddie Mac, etc., program guidelines). FHA and Rural Development regulations require a minimum cash investment by the borrower, which may limit the amount of any lender credits or payments by FBC under these offers.
  10. Unforeseen circumstances adversely affecting the ability to perform will void FBC’s obligations under the Program (e.g., natural disasters, pandemics, inclement weather, catastrophic event, or other major event beyond FBC’s control). This shall also include an applicable law or investor requirement imposition of a required waiting period prior to closing (e.g., for redisclosure of updated loan, TRID (TILA / RESPA Integrated Disclosure Rule), Real Estate Settlement Procedures Act disclosure information), or delayed appraisal or appraisal addenda delivery that prohibits timely closing.
  11. FBC reserves the right to amend or terminate these offers at any time except FBC may not amend or terminate offers extended to applications submitted prior to the effective date of the applicable amendment or termination.
  12. The offers may not be transferred or assigned to any party by the consumer, except that FBC may transfer or assign its obligations without prior consent by the consumer.
  14. In the event FBC does not provide the payments required under the Program, the consumer must submit a written request within 90 days from the closing date. Any payment made by FBC under the Program will be reported to the IRS on Form 1099-MISC. All consumers should consult their tax advisors regarding any tax implications.
  15. These offers only apply to purchase loan applications received by FBC on or after April 1, 2022.
  16. FBC employees and their immediate family members are not eligible to participate in the Program.

Are you currently working with
one of our Loan Officers?

This will save you time by connecting you with the right person.

No Problem! Get Started Today.

Start your application and we’ll connect you with the right person.

Contact Us

Fill out the form below and someone on our team will get in touch to schedule a meet up at the International Builder Show in Las Vegas between February 27-29, 2024.


Jim Girard

SVP, National Branch Development Director

Having over 40 years of varied experience with nationally recognized leaders in the mortgage industry, Jim Girard serves as FBC Mortgage, LLC’ Senior Vice President- National Branch Development Director. Jim possesses a varied background in retail, wholesale and correspondent production, as well an operational background in areas including human resources, underwriting, secondary marketing, loan delivery, servicing and vendor management. With a demonstrated ability to help grow smaller companies into nationally recognized organizations, Jim is committed to making FBC Mortgage a national top ten lender. Jim grew up in Canton, Ohio and now resides in Lake Mary, Florida.

Contact Us

Thank you for the opportunity to serve you! Before we start, how did you hear about us?

Excellent! Please thank them on our behalf! Now let’s start your application.
Great! It’s good to see you again and we appreciate your business! Now let’s start your application.

VA Appraisal Payment Form

Extended Lock Payment Form

Contact Us

Daniel Herbon

Chief Information Officer/Chief Information Security Officer

Daniel Herbon is the Chief Information Officer, Chief Information Security Officer and Privacy Officer of FBC Mortgage, LLC. Dan has been working in the technology industry for 20 years, joining FBC Mortgage in 2006. Dan’s experience spans all aspects of the technology industry. In his current role, he’s responsible for the day-to-day technology operations of the company, overseeing the Help Desk, Systems, Network, Cybersecurity, RPA and Development Departments.

With his experience and keen ability to communicate technology, Dan aims to assist in FBC Mortgage’s future growth by implementing industry leading technology, securing the company’s infrastructure and promoting departmental efficiency through technology. In his spare time, he enjoys golfing and spending time with his wife and three children.

Dyron Watford

Chief Financial Officer

Dyron M. Watford serves as the company’s Chief Financial Officer. Dyron has over 21 years of both private and public accounting experience specializing in structuring, leading, and advising corporations through private and public offerings, strategic initiatives and regulatory reporting and compliance. He is responsible for the overall finance function of the company.

Dyron is a graduate of Florida Southern College where he earned a Bachelor of Science degree in accounting, and the University of Central Florida where he earned a Master of Business Administration degree. He is licensed in the state of Florida as a Certified Public Accountant.

Irene Gonzalez

Chief Administrative Officer
Irene Gonzalez is the Chief Administrative Officer of FBC Mortgage, LLC. A graduate of the University of Central Florida, Irene has spent most of her career in the human resources field within the mortgage industry at American Heritage Mortgage, First Horizon and FBC Mortgage, LLC.
In her current role, Irene is responsible for day-to-day activities involving hiring, performance management, organization development, benefits, training and payroll. She strives to create the right environment for the employees of FBC Mortgage, LLC and is proud the organization is continually voted as a “best places to work.”

Joe Nunziata


Joe is the Co-CEO of FBC Mortgage, LLC and co-managing member of its parent Pine Court Holdings, LLC. He is a director at One Florida Bank, a Central Florida based community bank. 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. 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 was a shareholder and Vice President at American Heritage Mortgage Corp. 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). 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.

Joe is a certified mortgage banker (CMB) through the Mortgage Bankers Association of America. He has served on the MBA’s Legislative Committee and served on the Board of Adjustment for the City of Longwood, Florida. He has discussed industry topics on CNBC and Fox news as well as participated on numerous industry panels. Graduating from the University of South Florida, he received his bachelor’s degree in business. 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.

Michael D. Williams

Joint Venture Liaison

Michael D. Williams is a tremendous new addition to our executive team, serving as our Joint Venture Liaison. For over three decades, Michael has built a proven track record in the retail mortgage industry. His journey as the President and Managing Director of Trailblazer Mortgage, an FBC Mortgage builder joint venture, reflects his commitment to implementing operational controls, strengthening business partner relationships, and ensuring overall divisional success. With a keen eye for aligning operating structures and a knack for recruiting and retaining top-notch staff, Michael brings a unique blend of strategic leadership and industry acumen to the table.

Prior to his current role, Michael served as the Branch Manager and Mortgage Loan Originator at FBC Mortgage in Atlanta, GA. Here, he was instrumental in the Metro Atlanta day to day operations, excelling in recruitment, business development, and fostering strong community relationships. Throughout his career journey, Michael has consistently displayed a passion for expanding market share, driving profitability, and ensuring exceptional customer satisfaction.

In addition to his professional endeavors, Michael proudly served in the United States Air Force from 1982 to 1992. Showcasing his dedication to service, he received numerous accolades throughout his tenure, culminating with the Air Force Commendation Medal and the Air Force Achievement Medal, both for meritorious service and going above and beyond the call of duty. His community engagement goes beyond the boardroom. Michael served as Chairman of the Board for the DeKalb County Chamber of Commerce. He was subsequently appointed to the DeKalb County Economic Development Authority by the Dekalb County Office of the CEO.

Michael Dunn

General COunsel

Michael Dunn currently serves as the company’s General Counsel. 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. 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. He is an active member of the United States Middle and Northern District Courts in Florida. 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.

Mr. Dunn was an active participant in the 2014 Florida loan originator test writing maintenance cycle. 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. He also clerked within the state of Florida’s Department of Business and Professional Regulation assisting its legal staff with administrative enforcement activity.


Salvatore Nunziata

Vice Chairman

Salvatore Nunziata is currently the Vice Chairman of FBC Mortgage, LLC. Prior to FBC Mortgage, LLC, through 2005, Mr. Nunziata was SVP and District Manager of First Horizon Home Loans; a New York Stock Exchange listed company. Preceding his time at First Horizon, Salvatore was co-founder, major stockholder and president of American Heritage Mortgage Corp. from 1983 to 2003.

American Heritage was purchased by First Horizon Home Loan Corp. in 2003. Prior to AHMC, Salvatore had various positions leading to the role of President of Reliance Mortgage Corp. in Denver, Colorado from 1970 to 1983. Mr. Nunziata previously served on the Board of Directors of Southern Community Banc Corp. Currently, he serves on the Board of Directors of Floridian Bank. Mr. Nunziata attended the US Naval Academy in Annapolis, Maryland

Stephanie Simmons

Director, Marketing & Corporate Culture

Stephanie Simmons serves as the Director of Marketing and Corporate Culture for FBC Mortgage, LLC. She manages all marketing, advertising, social media and public relations initiatives insuring both consistent branding and compliance in the market areas we serve. 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. 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). She graduated from the University of Florida with a Bachelor of Science in Sports Marketing.

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.

Todd Boss

Chief Sales Officer

Todd is the Chief Sales Officer at FBC Mortgage, LLC. Todd was born in Atlanta, Georgia but grew up in Central Florida. He attended Lake Brantley High School and subsequently graduated from the University Of Florida with a degree in business administration. Todd has been in the mortgage industry for over 20 years, starting as a Mortgage Loan Officer and rising to executive management levels. He joined the FBC Mortgage executive team in 2009.

Todd is responsible for the growth and strategic development of the company’s sales force. Using his leadership skills, industry experience and knowledge, Todd aims to extend FBC Mortgage’s rank as a top 10 national lender. Todd is married with three sons; Blake, Jett and Stone. His children being his pride and joy, he spends most of his free time coaching or watching them play sports.

Travis Rulle

Chief Operating Officer

Travis is the Chief Operating Officer of FBC Mortgage, LCC and is responsible for streamlining and managing the loan origination process. Travis has over 23 years of industry experience and is a forward-thinking operational designer that connects dots between the loan operating systems and state of the art technology such as Robotic Process Automation, Machine Learning, Application Programming Interface, and Optical Character Recognition.  Prior to joining Team FBC in March 2021, Travis designed, built, and lead large origination operations and departments at both RoundPoint Mortgage Servicing and Freedom Mortgage Company. Travis resides in Charlotte, North Carolina and earned his B.S. in Business Administration and Finance from Liberty University Lynchburg, VA.

Are you interested in partnering with FBC Mortgage?

Connect with Linda Vo to learn more!


Missy Cefalo

Chief Credit Officer

Missy Cefalo is the Chief Credit Officer of FBC Mortgage, LLC. Missy joined FBC Mortgage in 2009 and is responsible for developing credit policies, underwriting standards, and managing risk. Missy has been in the mortgage industry for over 25 years with both retail and wholesale experience and a varied background in sales and operations.

Missy is a Florida native born in Winter Park, Florida and currently lives in Longwood, Florida with her husband and daughter. In her free time, she enjoys reading and spending time outdoors hiking or at the beach.

Contact Us

Download our digital mortgage app from the Apple App Store

Use your phone camera to scan the below QR code

Download our digital mortgage app from Google Play

Use your phone camera to scan the below QR code

Contact Us

Joe Nunziata


Todd Boss

Chief Sales Officer

Dyron Watford

Chief Financial Officer