Bayway Mortgage Group - The Carter Team

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Bayway Mortgage Group - The Carter Team

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Chris Carter is an experienced Mortgage Broker / Military Lending Specialist whose been helping clients with mortgage financing for over 20 years.

Licensed in FL, AL, and TX NMLS #365658 / Company NMLS #1057456 With over 20 years of experience in the mortgage industry, Chris Carter has built a reputation as a trusted, knowledgeable, and service-driven Mortgage Broker and Originator. Based in Florida, Chris has helped hundreds of clients across the state achieve their homeownership and investment goals with tailored mortgage solutions and a commitment to outstanding service. Chris began his career in 2004 and quickly distinguished himself as a top producer in the industry. His leadership roles as Branch Manager and Business Development Manager for a nationwide mortgage company helped him gain deep expertise in both residential and commercial property financing. His hands-on approach and attention to detail have consistently resulted in successful transactions and long-term client relationships. Whether you're a first-time homebuyer, refinancing an existing mortgage, or expanding your real estate investment portfolio, Chris works tirelessly to find the best financing options available—always educating and guiding clients through each step of the process. He collaborates closely with local realtors and industry partners to ensure smooth and efficient closings. Chris understands that every client has unique financial goals and credit profiles. That’s why he takes the time to understand each situation, offering value-added solutions and strategic advice to help clients secure the best possible rates and terms. His success stems from a customer-first mentality, expert knowledge of mortgage products, and a strong belief that “You will never reach your full potential until you help someone else reach their potential.”

Outside of work, Chris remains actively involved in charitable causes and real estate investment groups throughout Florida. He enjoys spending time at the beach, attending his local church, and cheering on the Florida State Seminoles.

10/31/2026

🎉🎂 Happy Birthday, Holly! 🎂🎉

Today we're celebrating Holly and all the positivity, dedication, and hard work she brings to the Bayway family! 💚

Thank you for everything you do to support our team and clients.

HAPPY BIRTHDAY!!

10/09/2026

Wednesday | June 17 | 2-5PM | 12310 Cormorant Ct | 32223

Property details:
3 beds 2 baths
$419,900
1,494 SF + 240 SF cooled covered patio

10/04/2026

RATES MAY BE HIGHER… BUT THAT DOESN’T MEAN YOU’RE OUT OF OPTIONS!

A rate buy-down could be the solution to help lower your payment and make homeownership more affordable!

Don’t let the rate stop the conversation. Let’s look at the OPTIONS and find what works for YOU and your situation.

09/15/2026

🎉Testimonial Tuesday🎉

Nothing means more than hearing from clients who felt informed, prepared, and taken care of throughout the mortgage process. No surprises at closing…that’s always the goal! 🏡🔑

Thank you, Mr. Foster, for trusting me and my team with your home mortgage. Hoping you and your family are loving your new home!! I truly appreciate the kind words.

Samuel T. Piercy, with THINK Real Estate, thank you for referring this family over.

09/02/2026

🌴 HAPPY CLOSING DAY & WELCOME TO FLORIDA! ☀️

CONGRATULATIONS to our newest homeowners, Jeffrey & Jennifer, who officially closed on their beautiful new home in Panama City as they relocate from TEXAS!

Thank you for trusting me and my team to guide you through the mortgage process and get you to the closing table. It was truly a pleasure being part of this exciting new chapter for you both. WELCOME TO THE SUNSHINE STATE!

A big THANK YOU to Derek McDavid, with THINK Real Estate, for the continued partnership, trust, and another opportunity to help make homeownership happen for your clients. I truly appreciate the confidence you continue to place in me and my team!

Jacob Nye 'The Title Guy' at South Oak PCB, it was great working with you on this one! Thank you for the excellent communication, teamwork, and those QUICK TURN TIMES!

And to my rockstar processor, Stacy Smith Farris, THANK YOU for all the hard work behind the scenes getting our clients through loan approval and our CLEAR TO CLOSE! I couldn’t do this without you!

Buying a home from hundreds of miles away takes great communication and teamwork, and everyone came together to MAKE IT HAPPEN! THANK YOU!!

CONGRATULATIONS, JEFFREY & JENNIFER…WELCOME HOME!

08/30/2026

🇺🇸 VETERANS & ACTIVE-DUTY MILITARY — READY TO BUY A HOME? 🏡

Your VA HOME LOAN BENEFIT is one of the most powerful home-buying tools available and I’d love to help you put it to work! 🇺🇸

Before you start looking at homes, let’s get your VA PRE-APPROVAL in place so you know exactly what you qualify for and can shop with confidence.

🏡 VA LOAN BENEFITS MAY INCLUDE:

🇺🇸 0% DOWN for eligible borrowers
💰 NO monthly mortgage insurance
📉 Competitive interest rates
🏠 Flexible qualifying guidelines
💵 Seller-paid closing costs may be available
🎖️ Designed specifically for those who have served our country

And when you work with me and my team, you’re working with a Military Lending Specialist who understands VA financing and knows how important it is to keep your loan moving from PRE-APPROVED ➡️ UNDER CONTRACT ➡️ CLEAR TO CLOSE!

🇺🇸 YOU SERVED OUR COUNTRY. NOW LET ME SERVE YOU. 🇺🇸

Chris Carter | Military Lending Specialist / Mortgage Broker
📞 904-403-4030 Cell
📞 Panama City: 850-764-8164
📧 [email protected]
🌐 www.chriscarterbroker.com
Licensed in FL, AL, TX

08/22/2026

CONGRATULATIONS TO OUR NEW VETERAN HOMEOWNERS!!

There’s nothing better than CLOSING DAY, especially when we get to help another Veteran Family achieve the dream of homeownership! Serving those who served is always an honor.

Congrats to Mr. & Mrs. Foster on the purchase of their new home in Panama City! Thank you for trusting me and my team to guide you through this process. It took a little time to find the perfect home, and when some challenges came up you stayed the course, worked through them, and with everyone’s help MADE IT HAPPEN and today is CLOSING DAY! Wishing you many happy memories in your new home.

I also want to say THANK YOU to Samuel T. Piercy, with THINK Real Estate, for the continued partnership and, most importantly, the trust you continue to place in me and my team to take care of your clients. I never take that trust for granted and I’m grateful every time we get the opportunity to work together!

Kathy Ramsey Prumatico, with Mason Title & Escrow Company Panama City and Beaches, thank you for making today’s closing happen and for being so great to work with throughout the entire transaction. Another smooth closing thanks to great teamwork!

And I definitely have to recognize my ROCKSTAR processor, Holly Carroll! Thank you for all the hard work behind the scenes, staying on top of every detail, and helping us get our CLEAR TO CLOSE! I appreciate you!

This closing is another reminder that sometimes the road to homeownership has a few obstacles, but when you have the right team, great communication, and everyone working toward the same goal, WE GET IT DONE!

Congratulations again, Mr. & Mrs. Foster!

07/31/2026

Closing #3 Today…Happy Closing Day, Rosario Family!

Another Veteran family has officially received the keys to their new home, and I couldn't be more honored to have guided them through the homebuying process.

Congratulations on the purchase of your beautiful new home in Lynn Haven!

Helping our Veterans achieve the dream of homeownership is one of the most rewarding parts of what I do. Your service, sacrifice, and commitment to our country deserve our deepest gratitude. Thank you for allowing me and my team the opportunity to be part of this exciting milestone.

A special thank you to Jamie Salabarria Re/Max NorthStar, with simpliHŌM. It was a pleasure partnering with you on this transaction! I'm grateful that you and your buyers were referred by Liz Wright, Realtor, with Dalton Wade Real Estate Group, and I'm so glad we were able to get this file Clear to Close in just 7 days! Here's to the first of many successful closings together.

A huge thank you to Kelsey Little and the amazing team at South Oak Title Panama City for another smooth month-end closing. Your professionalism and dedication always make the process seamless, and it's a pleasure working with you.

And to Holly Carroll, thank you once again for your incredible work in securing our loan approval and getting this file Clear to Close in only 7 days! I truly appreciate everything you do.

Congratulations again, Rosario Family!

07/31/2026

HAPPY FRIDAY and HAPPY CLOSING DAY to our MILITARY Family!

Congratulations Mr. and Mrs. Brickey on the purchase of your new home in St. Augustine. It was such a pleasure to help guide you through the home-buying process and I’m excited for you as you begin this new chapter as you make the move from South Dakota to the SUNSHINE STATE! Thank you for trusting me and my team to help guide you through this process and we wish you many happy memories in your new home!

A special thank you to Amy & Andy Anderson, with Anderson Realty, Northeast Florida Real Estate, for referring this family over. It’s always an honor getting to work with you and helping make the dream of homeownership a realty!! We have been helping families become homeowners now for over nine years and your continued partnership is so much appreciated.

Thank you to my processor, Holly Carroll, for all your help in securing our loan approval and CLEAR TO CLOSE and getting everyone to the closing table today.

Congratulations again Mr. & Mrs. Brickey!

07/31/2026

Today is a day worth celebrating!

Congratulations to my first-time homebuyers, Mr. & Mrs. Hernandez, on officially closing on your beautiful new home in Panama City Beach!

This journey was even more special because we were able to help them successfully navigate their For Sale By Owner (FSBO) transaction from contract to closing. Buying your first home is a huge milestone, and I'm honored to have helped make the process as smooth as possible. Wishing you years of happy memories, and new beginnings in your new home. Thank you for trusting me to be part of such an exciting chapter!

A very special thank you to Kelsey Little, with South Oak Title Panama City, and the for guiding our buyers through all of their title questions and making it possible to fit this closing in at month-end. We truly appreciate all you did to help make this happen and it is ALWAYS a pleasure working with you.

Holly Carroll, thank you, once again, for all your help in securing our loan approval and clear to close on this file. I appreciate all that you do and couldn’t do it without you.

Happy Closing Day to the Hernandez Family!

Address

8833 Perimeter Park Boulevard/Suite 402
Jacksonville, FL
32216

Telephone

+19044034030

Website

http://chriscarterbroker.com/

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