Crystal Bernier

Crystal Bernier offers over 20 years experience in the real estate and mortgage industry. Over the last eight years Crystal has helped numerous Jacksonville area residents secure over 300 million dollars in loans. Crystal is an expert in conventional and FHA loans. She provides expertise in home equity lines of credit, first time home buying and community redevelopment programs. Crystal maintains a network of proven and capable realtors and appraisers to assist her in completing your mortgage transaction efficiently and effectively. Community First's outstanding line of products and Crystal's expertise provides you with a potent synergy for your successful mortgage transaction experience.

bernierc@c1cufl.org
phone. 904.591.7288
fax. 904.549.8764

Lisa Lapenes

Lisa Lapenes offers 12 years of experience in the mortgage industry. A dedicated professional with a personal approach, Lisa understands that every member's home buying experience is as unique as they are. She prides herself in the ability to provide experienced, personalized advice that considers individual need. Lisa works alongside each member through the mortgage process and is known throughout North East Florida for her personal approach, knowledge and patience to help find the best loan solution for each of her clients. She holds a Mortgage Brokerage License, and her relationships with realtors, builders and financial advisors in our community help her to meet members lasting mortgage needs.

lapenesl@c1cufl.org
phone. 904.742.6022
fax. 904.549.8763