Senior Mortgage Advisor

Stephen Ackoury

Senior Mortgage Advisor NMLS# 1213792 Licensed in FL

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(941) 524-7897 stephen.ackoury@preferredrate.com

93 King Street
St. Augustine FL 32084
Branch License #2047476

About Stephen Ackoury

Your mortgage is personal, and I understand that.

I make home loans a piece of cake for you, even though I am not a pastry chef, and don't even play one on TV. Lending on Florida real estate for over 20 years, my expertise is your resource for #HomePurchaseLoans. Whether you want a vacation home or second home, downsize for retirement, invest in rental property, or acquire your very first home, I always match your particular circumstances with the right loan. That's what we do and all we do, true purchase loan experts. We make homebuyers' dreams a reality with stress-free loan approvals and on-time closings. I make home loans a piece of cake for you, even though I am not a pastry chef, and don't even play one on TV. Lending on Florida real estate for over 20 years, my expertise is your resource for #HomePurchaseLoans. Whether you want a vacation home or second home, downsize for retirement, invest in rental property, or acquire your very first home, I always match your particular circumstances with the right loan. That's what we do and all we do, true purchase loan experts. We make homebuyers' dreams a reality with stress-free loan approvals and on-time closings.

See my reviews
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We keep the mortgage process easy

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Whether this is your first home, your next home, or you’re thinking about refinancing, we’re ready to walk with you every step of the way.

  • Step 1 Connect with a Loan Expert

  • Step 2 Get Pre-Approved

  • Step 3 Make Offers

  • Step 4 Lock in your Preferred Rate

  • Step 5 Move in to your new home

  • Step 1 Connect with a Loan Expert

  • Step 2 Lock in your Preferred Rate

  • Step 3 Get your new loan approved!

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Home Loans

  • Fixed-rate Mortgages
  • Adjustable-rate Mortgages
  • Interest-only Loans
  • Jumbo Loans
  • FHA
  • VA Loans
  • USDA Loans
  • Reverse Mortgages

Speciality Products

  • Keys On Time Program
  • Secure Lock Program
  • Jumbo Investor Loan Programs
  • Peak Loan Program
  • High Balance Solutions
  • Jumbo Solutions
  • Home Ready
  • Home Possible Advantage
  • STaR Program for First-Responders
  • Doctor Program for Medical Professionals
  • Manufactured Housing Loans

See what Stephen's clients have to say

Jim B

Stephan does a great job and walks you through the process in getting a home loan. He will continue to give you the reminders for the little things as well such as homestead exemption due date…I will use Stephan again.

Apr 11, 2022

Scott H

It's difficult to describe how much Stephen helped me and my family on this home purchase. Long story, but our purchase was for a multi-generational situation potentially benefitting two families and multiple members. I have purchased a home years ago while employed with W-2 income, so I was not completely unfamiliar with the home purchase process. However, being self-employed now presented multiple challenges when applying for a home loan and the lender simultaneously has their own internal challenges with multiple newer banking regulations. This combination of documentation requirements presented innumerable potential obstacles that a layperson could never anticipate. If requested documentation is then presented in the wrong manner, that can then result in new unanticipated hurdles culminating in unbelievable stresses. Stephen was absolutely incredible in helping guide us through the process so that we were able to present the proper documentation in the proper manner for underwriter review. He was easy to talk to in order to make sure I understood the process and how best to proceed when there were specific documentation hurdles to cross. He was a calming influence at certain points when I wasn’t sure if the entire process would ever conclude positively. His extensive background in the building industry was also helpful with his keen eye for construction quality and property pitfalls as well as specific considerations for different types of construction. We were quite concerned going into this endeavor that we would be able to connect with someone that would guide us successfully to loan closure like he ultimately did. We would give him the highest recommendation possible…. and we are forever grateful. ... Read More

Mar 24, 2022

Suzy A

Stephen is very helpful and knowledgable with many years of valuable experience. He was able to give me some good advice and helpful tips.

Mar 19, 2022

mkurtz5021

Recently we purchased and new home and selected Stephen Ackoury as our Financial loan officer for our purchase. We could not have made a better decision. Stephen and his team were amazing in handling any concerns, providing information that we could make informed timely decisions. Stephen navigated the financial path to our new home for us as we had some complex issues to handle. There were NO issues that Stephen could not handle and help us through.Most importantly he communicated almost daily. Provided details of status and was able provide factual time frames to keep our expectations in check.We recommend Stephen to handle your needs and to help you through this challenging, emotional process. He made us feel as we were friends for years and built a trust in us that in all my years I have not found in a long time. Our mortgage process was enjoyable and not nearly as painful as many we have been through in the past.Choose Stephen Ackoury you will be treated above and beyond your expectations. ... Read More

Mar 26, 2021

nick8997

We were purchasing our first home and after interviewing a variety of loan officers we chose Stephen. A loan officer is a critical component to completing a successful and timely real estate transaction- if you are looking for someone with patience and experience than look no further than Stephen and his team! I have heard from many people that homebuying can be a complicated and stressful process but we did not experience this at all as Stephen and his team handled each step like true professionals. He's truly an expert in his field and handles all the heavy lifting for you. You would think we were his only clients based on how available and responsible he was. I highly recommend him! Thank you Stephen for all of your hard work. ... Read More

Feb 03, 2021

dperez

I have dealt with a lot of sales people in my lifetime due to parents working in timeshare and real estate. Never learned the business. Met Stephen in 2017 and went over my credit which was extremely low. Had to put off buying until I could raise my credit and afford a down payment. Fast forward to 2020 and I contact Stephen again surprisingly he remembered me. We got started on the process and let me tell you. As stressful as homebuying was I am so glad I chose Stephen as my lender when my realtor wanted me to go with someone else. I listened to my gut and I would chose him over and over again. If you are looking for a lender, don't just look for a bank with the most benefits seriously. Go with someone who watches out for your best interest. He helped me so much and he was genuine with me the whole time. There were plenty of times the realtor explained something to me and it did not sound right so I reached out to him and he explained it or said hey that's not right have them do this instead and it would work. Seriously! Most lenders would be like that's not my job I don't know. I promise you would not regret choosing him. ... Read More

Jan 15, 2021

Harald K

We started with a lender we had used previously. Unfortunately, it was not going well. Our real estate agent recommended Stephen. From the first phone call with Stephen we knew we were in the right hands. From beginning to end, Stephen was always a phone call away. It felt like we were his only customer. He made the process very pleasant. I will always keep Stephen's number in my phone for future business. And definitely to recommend to anyone in the market. In my opinion, you could not find anyone better than Stephen Ackoury. ... Read More

May 28, 2020

choviedog

Even in the midst of a pandemic and remote working Stephen and and his team did everything in their power to make our mortgage process seamless and as less stressful as possible. He made himself available to us when we had questions, explained things thoroughly, and there were never any surprises. I would not hesitate to recommend Steve and or CenterState Bank has everyone we dealt with throughout the process was professionalvI would not hesitate to recommend Stephen or CenterState Bank as everyone we dealt with throughout the process was professional and a pleasure to work with. ... Read More

Apr 23, 2020

equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2022 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

Licensed by the Dept. of Business Oversight under the CRMLA.

Licensed as Preferred Rate in AL, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in NV. AZ Corp BK 1014819. CA DRE #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 2941/164. Licensed under the Oregon Consumer Finance Act.

Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304 | James R. Thompson Center | IDPR – Residential Mortgage Banking | 100 West Randolph St, 9th Floor | Chicago, Illinois 60601 | (844)768-1713

Licensed by the Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department." (Source: P.A. 101-657, eff. 3-23-21.)

Licensed by the Dept of Financial Protection and Innovation under the CRMLA.

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV