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Tonya Anderson

Mortgage Loan Originator 
Panama City Beach, FL  

Buying a home can be stressful, but our experienced, successful Mortgage Team will be right there through the entire process to ease the stress.

NMLS ID#: 1111713
Office: 850-747-4211
Cell: 850-867-0277

Read Tonya's Bio 

Hello, I'm Tonya!

 As an Alabama native, I am blessed to call the Florida Panhandle my home! I have been living in the St. Andrew's, Panama City, Florida area for over 7 years and love being involved in the community and helping my neighbors. My husband, Sterling, is an Air Force Officer stationed at Tyndall Air Force Base, and together with our 3 wonderful pups, we enjoy everything that our great community has to offer, from the sugar-white sands and emerald green waters to the beautiful sunsets and local festivities. It is my love for people and my passion to make a difference that led me to pursue the field of mortgage lending.


My journey into the finance business started over 16 years ago. Originally from Dothan, Alabama, l started out my career working in consumer finance with a local credit union. A couple of years later, I ventured into mortgage lending and have never looked back! Buying a home is likely the largest purchase and the biggest financial decision most of us will make in our lifetime. The process itself can be time-consuming and stressful.  Being able to help navigate my clients through the home buying process, from application to closing, and doing so in a way that simplifies the procedure, is such a rewarding experience for me. I strive to demonstrate the highest level of integrity and commitment, and I show everyone that I assist and that I truly have their best interests at heart.


My goal is to put you and your family in the most vital possible financial position by assessing and meeting your short- and long-term home finance needs, no matter how complex. With nearly 15 years of experience and unparalleled insight in the mortgage lending field, it would be my privilege to help guide you through the process of your home purchase or refinance.

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  • Tonya was an absolute pleasure to work with. As first time homebuyers, we were nervous and very cautious about who to trust with helping us navigate this milestone. From the beginning, Tonya was straightforward and honest with us. She walked us through the entire process and advised us along the way. She answered calls on Sundays to discuss our concerns and answer any questions that we had. We were so glad that we chose to use Tonya and Tyndall FCU. 

    -Kyle Anders

  • I just wanted to acknowledge the wonderful mortgage service Tonya provided us on our recent home purchase in south Florida.This is the second time we used Tonya. Back in 2018, we refinanced our mortgage  home loan in Panama City Beach to reduce the term and rate and Tonya did a fantastic job then. Because we had such a fantastic experience with Tonya, we picked Tyndall to do our car loan which we paid off last year early. When we relocated to south Florida and actually had preferred lenders and discounts via my husband's relocation package but we decided to still use Tonya because of her vast mortgage knowledge, positive attitude, professionalism, and unbelievable follow-up (litterly she called me after hours to answer our questions) Excellence deserves to be acknowledged and Tonya is simply the best and so is Tyndall Federal Credit Union. Thank you 🌴😀

    Phillip and Nancy Pfoertner

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