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    Marie.Layfield

    Associate Business development Manager

    Zachary Varnadoe

    Zachary is an experienced mortgage professional with a strong background in sales, loan origination, credit review, and regulatory compliance. Over his career, he has consistently delivered an exceptional client experience. His expertise spans purchase, refinance, home equity, and specialized loan products, with extensive experience across Florida, New York, Texas, and California markets. Licensed under NMLS #1540144, Zachary brings proven results and a client-first approach to helping families achieve homeownership.

    Zachary can be reached by phone at: (904) 893-3925

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