Get to know your loan officer

Troy Manz

[email protected]
T: 863-640-3760
NMLS # 431604

Apply Now
Troy Manz Bio Headshot

About Troy

Born in Toledo, Ohio and raised in Jonesboro, Arkansas and Pueblo, Colorado, Troy went on to earn his B.S. in Business Management and Economics from the University of South Florida. He also studied Aviation Maintenance as an A&P Mechanic at the Community College of the Air Force and holds a private pilot certification. Driven by a passion for helping others achieve the dream of homeownership, Troy brings a steady, member‑focused approach to every interaction.

With 21 years of experience in the mortgage industry, Troy has developed deep expertise across a wide range of lending solutions. He specializes in construction, Conventional, VA, FHA, and USDA financing, providing clear guidance and reliable support to help members reach their homeownership goals.

compare loans

Flexible Mortgage Loans 

We offer a variety of mortgage products. Scroll through the list to consider the right solution for your homeownership journey.
Happy family in home with boxes

Select 100

With 100% financing and $0 down, your dream home is closer than you think. Skip the big upfront costs and start your homebuying journey with confidence. 
Select 100
Family in living room with boxes

Fixed-Rate Mortgage

Financing with a fixed-rate mortgage provides you with the stability of always knowing what your principal and interest payments will be each month.
Fixed Rate Mortgage
Woman with dog on porch with moving boxes

Adjustable-Rate Mortgage

An adjustable-rate mortgage saves borrowers money upfront with lower interest rates and a lower payment for an initial period, and adjusts after that.
Adjustable Rate Mortgage
Couple with contractor working on house plans

Construction-to-Permanent

Enjoy the convenience of one loan, one set of closing costs and one closing date with a construction-to-permanent loan.
Construction
Rear side of couple looking at house under construction

Lot Loan

Secure your perfect piece of land with a lot loan. You'll make affordable payments and build when you're ready.
Lot Loan
Large estate home with pool and backyard

Jumbo Mortgage

When buying a more expensive home, a jumbo loan may be the option you need. 
Jumbo Mortgage
Couple hugging in new home with boxes surrounding

First-time Homebuyer

A fixed-rate mortgage with down payment options as low as 3% of the purchase price, making it easier to buy the home you want.
First-Time Homebuyer
Teacher reading to group of students

Florida Hometown Heroes

Homeownership opportunities for eligible full-time frontline or public service workers employed by Florida-based employers. Discover the benefits today!
Hometown Heroes
Military mom playing with kids in living room

FHA / VA / USDA

Government-insured home loans with more flexible lending standards and lower down payment requirements.
Government Loans
Couple measuring and renovating home

Renovation Mortgage

Get a mortgage to purchase your new home and receive funds for repairs, renovations or improvements.
Renovation Mortgage

Explore More Mortgage Resources

Find helpful tools and information to guide you through the mortgage process.

Mortgage Checklist

Make sure you're fully prepared. Check out our complete list of the documents and information you'll need to gather for a smooth mortgage loan process.
Mortgage Checklist

Planning for Homeownership

Start planning for your future home today with tips and advice on where to start from our mortgage experts.
Homeownership Planning

How to get a loan

Ready to secure your mortgage? Learn all about the loan process from application to funding in our step-by-step guide.
How to Get a Loan

Mortgage Glossary

Don't quite understand all the terms used during the loan process? Don't worry, we have a mortgage glossary to keep you in the know. 
Mortgage Glossary

Still Have Questions?

Mobile phone icon Contact Us
Branch icon Visit Us
Customer service representative icon Schedule appointment
Laptop icon Ask Kit