The Loan Lifeguard Team, saving the deal when others fail.
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If you have mortgage related questions, we have the answers. Ask away and one of our experienced lending professionals will be happy to help you out. is the online portal for Steve Verrier in Palm Coast, FL.  Steve Verrier (NMLS #228111)  is a Licensed Mortgage Loan Originator sponsored by ANE Lending, LLC (NMLS#1999497) - the Loan Lifeguard team headquartered in Jacksonville Beach, FL.  We offer only the highest quality mortgage products for your needs at competitive rates in all of Florida.  If your looking for a Conventional mortgage (Fannie Mae or Freddie Mac insured), or an FHA, VA, USDA government agency insured mortgage; we can deliver it.  If your mortgage needs fall outside of those agency guidelines, we also have many non-qualified (non QM) mortgage products such as bank statement, Debt Service Coverage Ratio (DSCR), and several other alternate income or non income verified mortgage loans.

We strive to build personal relationships with all of our clients so that we can provide an unmatched level of service even after you have closed your loan. Our goal at is not only to find you a great mortgage but to help make your dreams of homeownership a reality.

Although Steve Verrier is based in Flagler County (Palm Coast, Flagler Beach, Bunnell) Florida;  our team offers unparalleled purchase and refinance mortgage services to clients throughout the entire State of Florida!

Please take the time to explore our site.  There are many useful resources here to help get you started, including information on loan programs we offer and calculators.   For those who prefer not to read reports, our Home Buyer University webinars are perfect!  Whether you are buying OR selling your home, these online classes will make sure you negotiate the best deal for you! Connect with me on your favorite Social Media site using the links provided also.  You will be provided with timely industry updates and tips on becoming and being a homeowner.

For All of Your Palm Coast, Flagler Beach, Daytona, St Augustine and other parts of Florida mortgage needs:

Call Me Today at 904-514-8884!

"More Than Mortgages"
The welcomes Real Estate Agents to our site and encourages you visit our Realtor University. There you will find many great strategies to grow your business in today's market.  For live classes taught in Flagler County, please visit our Events page to register to attend the next class. Connect with me on your favorite Social Media site using the links provided and you will be provided with timely industry updates and tips that will aid your business.

We Offer Several Different Loan Programs To Meet Your Needs.

A smart buyer is an informed buyer.
Take the time to learn more about the types of loans we provide by selecting one of the links on the right.

FHA Loans

FHA loans are a popular choice among first time homebuyers given their low down payment requirements and ease of qualification. Learn more about how you can qualify for an FHA loan.

VA Loans

Veterans, active military, and their families can take advantage of a VA loan to purchase a home with no money down, great interest rates, and no private mortgage insurance. Learn more today!

Home Purchase Loans

Whether you are interested in a Conventional Loan, FHA Loan, VA loan or other similar financing option, our team of experts will help you find the solution that works best for your needs.

Home Refinance Loans

Learn more about how refinancing your mortgage can help you save money over the life of your loan by lowering your interest rate or reducing loan terms.

Conventional Loans

Great rates and buyer flexibility make conventional loans the most popular mortgages on the market today. Find out how you can qualify today!

Jumbo Home Loans

Jumbo loans can be the perfect option if you are looking for a home loan that exceeds the limits placed on government backed options such as FHA loans. Learn more about our Jumbo loan options.

Cash-Out Refinancing

If you have equity in your home, a cash-out refinance can provide you with the money needed for home repairs, debt consolidation, and other various expenses. Begin your cash-out refinance today!

Reverse Mortgages

The reverse mortgage or HECM is an FHA backed loan with no credit or income qualification required.  Available for purchase or refinance, the loan amount is based on the age of the youngest borrower over 62.

What are you waiting for? Getting started is easy. We offer very competitive rates, have great service, and always close on time. at ANE Lending - NMLS #1999497

Start your home loan process here!

For most people, purchasing a home will be the single largest investment they make during their lifetime. At, we understand how important this time is for each of our clients. Whether you are a first time homebuyer searching for your dream home, a current homeowner shopping for a better rate, or an investor looking to expand your portfolio, it is our goal to find the financing solution that meets your exact needs. 


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Steve Verrier
NMLS #228111

ANE Lending LLC.
NMLS #1999497

NMLS Consumer Access


Contact Us at ANE Lending - NMLS #1999497
13475 Atlantic Blvd
Suite 8
Jacksonville , FL 32225

(904) 514-8884

2019 All Rights Reserved. ANE Lending LLC. NMLS 1999497. Equal Housing Opportunity Mortgage Broker. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without prior notice. All products and queries are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Other restrictions may apply. To view our NMLS Filings, CLICK HERE