Lending with a hometown feel.

American Liberty Mortgage is here for you.

 

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Seth Gallaher

Owner

Seth Gallaher is the owner of American Liberty Mortgage, Inc. He started the company 10 years ago and has been originating loans for 12 years. He is passionate about returning professionalism to the industry.Read More
American Liberty MortgageNMLS# 18345Work Phone: (303) 458-3778
Biography

Seth Gallaher is the owner of American Liberty Mortgage, Inc. He started the company 10 years ago and has been originating loans for 12 years. He is passionate about returning professionalism to the industry.

Photo of Regina Stearns

Regina Stearns

Branch Manager

Born and raised in Clearwater Florida, I moved to Lakeland after getting my mortgage license in 2003. I have always been in the hospitality business and love helping people. I learned the mortgage business and right away I knew this was my calling. I have worked for several companies and in January of 2015, I decided to step out and make a big move for me and my family.…Read More
American Liberty Mortgage, Inc.NMLS# 391594 / FL LicenseLO #26584Home Lakeland FL 33801 Work Phone: 863-940-3488Cell Phone: 863-640-0861Work Fax: 800-640-3494
Biography

Born and raised in Clearwater Florida, I moved to Lakeland after getting my mortgage license in 2003. I have always been in the hospitality business and love helping people. I learned the mortgage business and right away I knew this was my calling. I have worked for several companies and in January of 2015, I decided to step out and make a big move for me and my family.
Some of my staff and I have been working together for a few years and decided it was time for us to grow our business. We partnered up and opened a branch of American Liberty Mortgage. We play off each other’s strengths and have the passion to help people, so I knew this would be a good fit.

It’s all about the client and that’s why we wanted this company to be different than the rest. We have recently expanded our team and want to invest in our people to help them grow their business too. Our motto is lending with a “Hometown” feel and at ALM Lakeland is exactly that.
You will leave here different then when you came; And that my friend is why I do what I do best!

I have been married to my high school sweetheart for twenty one years and have an amazing ten year old son. I have two cats and love to go camping, play volleyball, boating and just being out on the water. I love Florida and love the people that I meet every day!

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Jennifer Engelsen

Sr. Loan Advisor

My career path in the mortgage business started in mid-2006. Though I had a banking background and years of contract negotiation experience, I decided to change course and pursue a career in mortgage lending. It was an exciting time and I have always had a passion for helping people. The market has changed a great deal over the years.…Read More
American Liberty Mortgage, Inc.NMLS# 769934 / FL License# LO30053Work Lakeland FL 33801 Work Phone: (863) 940-3488Cell Phone: (863) 255-9097Work Fax: (888) 627-0926
Biography

My career path in the mortgage business started in mid-2006. Though I had a banking background and years of contract negotiation experience, I decided to change course and pursue a career in mortgage lending. It was an exciting time and I have always had a passion for helping people. The market has changed a great deal over the years. I pride myself in having kept up with those changes to ensure my clients receive quality assistance in pursuing their goal of homeownership. In January of 2015 I joined the American Liberty Mortgage family. We share the same core values focusing all of our efforts on the almost lost art of genuine service. You have a team working for you, not one person or a company of individuals..We are one unit ready to care for you like family.

For me personally, at the center of it all is my 12 year old son, Aedan and our Australian Shepherd, Brody. I love the arts, supporting local business and exploring what our great state has to offer. Whether at a farmer’s market, a concert or exploring places to hike, I making sure our time is full of adventure.

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Tammy Mitchell

Sr. Loan Advisor

I started in the mortgage industry in 2007 in my hometown of Joplin, Missouri. Having been in every part of the process from initial application to closing, there is nothing better than helping people achieve their dream of becoming a homeowner. My oldest daughter received a full academic scholarship to finish her Bachelor’s at Florida Southern College which led my girls and I to Florida in 2016.…Read More
American Liberty Mortgage, Inc.NMLS# 1196403Home 402 S Kentucky Ave. Suite 310 Lakeland FL 33801 Work Phone: 863-940-3488Cell Phone: 417-438-0953Work Fax: 888-689-2101
Biography

I started in the mortgage industry in 2007 in my hometown of Joplin, Missouri. Having been in every part of the process from initial application to closing, there is nothing better than helping people achieve their dream of becoming a homeowner.
My oldest daughter received a full academic scholarship to finish her Bachelor’s at Florida Southern College which led my girls and I to Florida in 2016. Moving to Florida and continuing in the business with American Liberty Mortgage is the best move I could have made. This team is like having family here with us in Florida.

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Bernice St. Clair

Office Manager

American Liberty Mortgage, Inc.Home Lakeland FL 33801 Work Phone: 863-940-3488Work Fax: 888-519-3269
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Mona Cranor

Marketing Coordinator

Mona' Cranor is the Marketing Coordinator at American Liberty Mortgage. She has been connecting clients with products or services since 2008. In 2011 she began college at Truett McConnell where she focused her attention on Psychology. It was in 2013 that her direction shifted toward a Degree in Human Services at Southeastern University, a combination of, psychology, anthropology and social work.…Read More
American Liberty Mortgage, Inc.Work Phone: 863-940-3488
Biography

Mona’ Cranor is the Marketing Coordinator at American Liberty Mortgage. She has been connecting clients with products or services since 2008. In 2011 she began college at Truett McConnell where she focused her attention on Psychology. It was in 2013 that her direction shifted toward a Degree in Human Services at Southeastern University, a combination of, psychology, anthropology and social work. Her high level of ability to understand people in all categories of life gives her a keen insight on connecting with clients. During her time in college, she began pursuing an interest in understanding and operating within marketing and advertising. Through her mission to connect, communicate, and capture, she has become skilled at reaching people through a variety of communication deliver services. Her understanding of people and the marketing industry combined with her desire to connect people with quality service provides her with the complete circle of marketing know how. She believes to serve individuals and families, it starts within a person’s heart to give value first and foremost.

Photo of Gwyn Hughes

Gwyn Hughes

Sr. Loan Advisor

Hello, my name is Gwyn Hughes and I am the newest Loan Officer with American Liberty Mortgage.    I specialize in homeownership and refinancing to include conventional financing, government financing (FHA, VA and USDA), construction, rehab, and even mobile homes. Ultimately, with our amazing team, there isn’t anything we can’t get through together.…Read More
American Liberty Mortgage, Inc.NMLS# 698822 / FL LicenseLO #Home Lakeland FL 33801 Work Phone: 863-940-3488Cell Phone: 863-430-5867Work Fax: 888-689-2101
Biography

Hello, my name is Gwyn Hughes and I am the newest Loan Officer with American Liberty Mortgage. 

 

I specialize in homeownership and refinancing to include conventional financing, government financing (FHA, VA and USDA), construction, rehab, and even mobile homes. Ultimately, with our amazing team, there isn’t anything we can’t get through together. By crafting creative solutions, your financing goals are not that far away! 

 

My previous lending experience was bank and portfolio lending with the leading community bank in Polk County, Bank of Central Florida.  The core values practiced there are deep rooted in my personality.  Among those values, being client focused and caring about each other and our community was key and I practice that in my personal life as well as my career. 

 

I was born and raised in Hardee County (one county south of Polk).  I hold a Bachelor’s Degree from the University of Florida.  I married Chuck Hughes and moved to Bartow (Polk County) in 2000 and have worked in Lakeland most of my lending career.  We have one grown son who works for our local Publix and attends Polk State.  We also have a daughter who attends Summerlin Academy and cheers for Bartow Co-Ed Cheer (National Champs).  My life revolves around my family, career and community.  I look forward to continuing to serve not only Polk County, but also the State of Florida as I start a new journey in my career path with American Liberty Mortgage. 

 

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Autumn Terwilliger

Sr. Loan Advisor

I was born & raised in Lakeland, Florida - and continue to enjoy this amazing city with my sweet little three year old daughter & my high-school sweetheart.  These two are why I strive to be the best person I possibly can.  Of course,  it is easy to get fulfillment from seeing others smile - especially when you helped put it there!…Read More
American Liberty Mortgage, Inc.NMLS# 1516184/ FL LicenseLO #Home Lakeland FL 33801 Work Phone: 863-940-3488Cell Phone: 863-670-3356Work Fax: 800-640-3494
Biography

I was born & raised in Lakeland, Florida – and continue to enjoy this amazing city with my sweet little three year old daughter & my high-school sweetheart.  These two are why I strive to be the best person I possibly can.  Of course,  it is easy to get fulfillment from seeing others smile – especially when you helped put it there!

My entrance into the mortgage business was through someone very close to me. This individual mentored me and helped me visualize an opportunity to aid and guide others while doing something I truly loved.  The absolute favorite part of my job is helping and guiding families through the home buying process. Everybody’s situation is unique and problem solving is big part of what I love to do!

Here at American Liberty Mortgage, Inc., I feel as though I have truly found my home away from home.  While interviewing with Regina, our Branch Manger, it was like we had known each other forever. I quickly picked up on her genuine love of helping people and life in general. The entire ALMlakeland team is already like family. Our belief is that business is all about growing people;  and when that happens, your business will grow itself.

American Liberty Mortgage:  Lending with a hometown feel.

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