We've got your back while you make your dream home a reality.
In today’s fast moving market, we know you don’t have days to wait for an underwriter to review your file once you find your dream home. So we enhanced our processes to include artificial intelligence, meaning that fully underwritten conditional approvals are now available within hours! We are also backing up our approvals with money-back guarantees to give you even more security when you make an offer on your dream home.
We guarantee that we can close your loan within 20 days of receiving a contract (so long as we have already underwritten your application)
We back our underwriting team’s approvals with an earnest money guarantee of up to $5,000 if we do not close your loan on time.
We will NOT charge you an application fee like other lenders!
We will refund you up to $1,000 in appraisal and inspection costs if we miss your closing date due to our error.
Acrisure Mortgage Homebuyer Guarantee Program Terms & Conditions
- This is not a mortgage loan approval nor a commitment to lend and is subject to the consumer satisfying all underwriting guidelines and loan approval conditions, including the identification of a property that is acceptable as collateral to Acrisure Mortgage, LLC, or any of its parents, subsidiaries, joint ventures, or affiliated entities (hereinafter referred to as “Acrisure”) and the satisfaction of all appraisal and title-related requirements.
- The Home Loan Guarantee Program (the “Program”) covers preapproval of the provided credit documentation. The Home Loan Guarantee will only apply if there are no material changes in the consumer’s credit or submitted documentation between the date of preapproval and the date of closing. “Material changes” shall include changes in underwriting guidelines, changes of the loan amount or loan product, loss or change of employment or income, discovery by Acrisure of undisclosed liabilities or increases in debt, and fraud, misrepresentations, or material omissions in the loan application and supporting documentation.
- This only applies to loans to be funded or funded using the Program by Acrisure using conventional, FHA and VA loan programs for one to four family dwelling units only and excludes second liens, investment properties, refinance loans, renovation loans, non-purchase money home equity lines of credit, interim construction loans or other temporary financing, loans brokered to or by Acrisure, loans involving short sales, or any other purchase contract that requires the approval from a third party (e.g., a lender, relocation company, etc.).
- The designated property must be occupied as the consumer’s primary residence and the purchase of this property cannot be contingent on the sale of another property.
- The consumer must provide the fully executed purchase and sales contract to Acrisure within 48 hours of full execution.
- All additional documentation requested by Acrisure must be provided within 48 hours.
- The consumer must lock their loan with Acrisure at least 15 days before the purchase and sale closing date.
- Any client, seller, or third-party delays, by act or omission, will void the guarantee (e.g., unavailability for any reason, failure to provide requested documentation, failure to timely sign loan documentation, etc.).
- All payments are subject to maximum allowable lender credit and minimum contribution requirements under applicable loan programs (e.g., FHA, VA, Fannie Mae, Freddie Mac, etc., program guidelines). FHA and Rural Development regulations require a minimum cash investment by the borrower, which may limit the amount of any lender credits or payments by Acrisure under these offers.
- Unforeseen circumstances adversely affecting the ability to perform will void Acrisure’s obligations under the Program (e.g., natural disasters, pandemics, inclement weather, catastrophic event, or other major event beyond Acrisure’s control). This shall also include an applicable law or investor requirement imposition of a required waiting period prior to closing (e.g., for redisclosure of updated loan, TRID (TILA / RESPA Integrated Disclosure Rule), Real Estate Settlement Procedures Act disclosure information), or delayed appraisal or appraisal addenda delivery that prohibits timely closing.
- Acrisure reserves the right to amend or terminate these offers at any time except Acrisure may not amend or terminate offers extended to applications submitted prior to the effective date of the applicable amendment or termination.
- The offers may not be transferred or assigned to any party by the consumer, except that Acrisure may transfer or assign its obligations without prior consent by the consumer.
- The reimbursement payment under the Program shall constitute the sole obligation of Acrisure under the Program. NOTWITHSTANDING ANYTHING TO THE CONTRARY, UNDER NO CIRCUMSTANCES WILL ACRISURE HAVE ANY OBLIGATION OR LIABILITY TO CONSUMER FOR ANY INCIDENTAL, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES INCURRED BY CONSUMER, REGARDLESS OF HOW SUCH DAMAGES ARISE AND OF WHETHER OR NOT CONSUMER WAS ADVISED SUCH DAMAGES MIGHT ARISE. IN NO EVENT SHALL THE AGGREGATE LIABILITY OF ACRISURE TO CONSUMER EXCEED THE TOTAL AMOUNT OF THE GUARANTEE PURSUANT TO THE PROGRAM.
- In the event Acrisure does not provide the payments required under the Program, the consumer must submit a written request within 90 days from the closing date. Any payment made by Acrisure under the Program will be reported to the IRS on Form 1099-MISC. All consumers should consult their tax advisors regarding any tax implications.
- These offers only apply to purchase loan applications received by Acrisure on or after April 1, 2022.
- Acrisure employees and their immediate family members are not eligible to participate in the Program.
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Start your application and we’ll connect you with the right person.
FBC Mortgage is now Acrisure Mortgage
Same people. Same commitment. New name. Greater possibilities.
Michael Dunn
General COunsel
Michael Dunn currently serves as the company’s General Counsel. Michael received his Bachelor of Science degree from the University of Central Florida, his Juris Doctor degree from the Florida A&M University College of Law, and his Master of Business Administration degree from the Crummer Business School at Rollins College. He is a member of the Florida Bar’s Real Property, Probate, and Trust Law Section- Real Property, Finance and Lending Committee, and Young Lawyer’s Division. He is an active member of the United States Middle and Northern District Courts in Florida. He is a participating affiliate member of the American Association of Residential Mortgage Regulators, the Central Florida Compliance Association, the National Mortgage Bankers Association – Legal Issues and Regulatory Compliance Committee, and the Mortgage Bankers Association of Central Florida.
Mr. Dunn was an active participant in the 2014 Florida loan originator test writing maintenance cycle. Prior to and during law school, Michael was a Florida-licensed mortgage broker and worked for a compliance company providing auditing services to assure best practices by loan officers for a nationwide lender. He also clerked within the state of Florida’s Department of Business and Professional Regulation assisting its legal staff with administrative enforcement activity.
Thank you for the opportunity to serve you! Before we start, how did you hear about us?
VA Appraisal Payment Form
Extended Lock Payment Form
Daniel Herbon
Chief Information Officer/Chief Information Security Officer
Daniel Herbon is the Chief Information Officer, Chief Information Security Officer and Privacy Officer of Acrisure Mortgage, LLC. Dan has been working in the technology industry for 20 years, joining Acrisure Mortgage in 2006. Dan’s experience spans all aspects of the technology industry. In his current role, he’s responsible for the day-to-day technology operations of the company, overseeing the Help Desk, Systems, Network, Cybersecurity, RPA and Development Departments.
With his experience and keen ability to communicate technology, Dan aims to assist in Acrisure Mortgage’s future growth by implementing industry leading technology, securing the company’s infrastructure and promoting departmental efficiency through technology. In his spare time, he enjoys golfing and spending time with his wife and three children.
Dyron Watford
Chief Financial Officer
Dyron M. Watford serves as the company’s Chief Financial Officer. Dyron has over 21 years of both private and public accounting experience specializing in structuring, leading, and advising corporations through private and public offerings, strategic initiatives and regulatory reporting and compliance. He is responsible for the overall finance function of the company.
Dyron is a graduate of Florida Southern College where he earned a Bachelor of Science degree in accounting, and the University of Central Florida where he earned a Master of Business Administration degree. He is licensed in the state of Florida as a Certified Public Accountant.
Irene Gonzalez
Chief Administrative Officer
Joe Nunziata
CEO / CMB
Joe is the CEO of Acrisure Mortgage, formerly known as FBC Mortgage, and Co-Managing Member of Pine Court Holdings. He is also a Founder and Director at One Florida Bank, a Central Florida-based community bank, and at Trident Reciprocal Insurance, a Florida-based insurance company. In addition, Joe was appointed by Governor Ron DeSantis to serve on the Greater Orlando Aviation Authority.
Joe previously served as CEO and President of The Sterne Agee Group following their acquisition of FBC Mortgage in 2012. He returned to FBC in 2015 after leading the company’s successful re-acquisition from Sterne Agee. Before co-founding FBC Mortgage, LLC, Joe was Senior Vice President at First Horizon Home Loans, a NYSE-listed company, from 2003 to 2005. Earlier in his career, he was a shareholder and Vice President at American Heritage Mortgage Corp., where he served from 1989 to 2003.
Joe has held board positions with several financial institutions, including Sunshine Bank (NASDAQ), Southern Community Bank, and Fifth Third Bank of Central Florida (NYSE). He is deeply committed to community service and currently serves on the boards of the AdventHealth Foundation, the Orlando Police, Seminole, and Orange County Sheriff Foundations, and the FBC Mortgage Charitable Foundation.
A Certified Mortgage Banker (CMB) through the Mortgage Bankers Association of America, Joe has also served on the MBA’s Legislative Committee and the Board of Adjustment for the City of Longwood, Florida. He has been a featured commentator on CNBC and Fox News and frequently speaks at industry conferences and panels.
Joe holds a bachelor’s degree from the University of South Florida and has attended sessions at the London School of Economics. His leadership and entrepreneurial spirit have been recognized with honors including Executive of the Year by the Orlando Business Journal and the Ernst & Young Entrepreneur of the Year award.
Stephanie Simmons
Chief Marketing Officer
Stephanie Simmons serves as the Chief Marketing Officer for Acrisure Mortgage, LLC. She manages all marketing, advertising, social media and public relations initiatives insuring both consistent branding and compliance in the market areas we serve. Stephanie also develops and manages all company events and culture programs including sales training conferences and retreats, corporate events, business partner events and incentive trips. Prior to joining Acrisure Mortgage Stephanie worked in marketing and event/project management with several professional sports entities including the Arena Football League’s Tampa Bay Storm, the NHL’s Tampa Bay Lightning, and International Speedway Corporation (NASCAR). She graduated from the University of Florida with a Bachelor of Science in Sports Marketing.
Stephanie lives in Orlando, Florida with her husband and two children where she spends most of her free time at the basketball gym, baseball fields, tennis courts and traveling with her family.
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Todd Boss
Chief Sales Officer
Todd is the Chief Sales Officer at Acrisure Mortgage, LLC. Todd was born in Atlanta, Georgia but grew up in Central Florida. He attended Lake Brantley High School and subsequently graduated from the University Of Florida with a degree in business administration. Todd has been in the mortgage industry for over 20 years, starting as a Mortgage Loan Officer and rising to executive management levels. He joined the Acrisure Mortgage executive team in 2009.
Todd is responsible for the growth and strategic development of the company’s sales force. Using his leadership skills, industry experience and knowledge, Todd aims to extend Acrisure Mortgage’s rank as a top 10 national lender. Todd is married with three sons; Blake, Jett and Stone. His children being his pride and joy, he spends most of his free time coaching or watching them play sports.
Missy Cefalo
Chief Operating Officer
Missy Cefalo serves as the Chief Operating Officer of Acrisure Mortgage, LLC. In her current role, she is responsible for overseeing end-to-end loan operations, process optimization, developing credit policies and managing risk. Missy has been in the mortgage industry for over 30 years working in both wholesale and retail with a varied background in sales and operations. With her experience and knowledge, she aims to extend Acrisure Mortgage’s rank as a top 10 national lender.
Missy is a Florida native born in Winter Park, Florida and currently lives in Longwood, Florida with her husband and daughter. In her free time, she enjoys reading and spending time outdoors hiking or at the beach.
Contact Us
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Contact Us
Joe Nunziata
Co-CEO
jnunziata@acrisuremortgage.com
Todd Boss
Chief Sales Officer
tboss@acrisuremortgage.com
Dyron Watford
Chief Financial Officer
dwatford@acrisuremortgage.com
Michael D. Williams
Joint Venture Liaison
Michael D. Williams is a tremendous new addition to our executive team, serving as our Joint Venture Liaison. For over three decades, Michael has built a proven track record in the retail mortgage industry. His journey as the President and Managing Director of Trailblazer Mortgage, an Acrisure Mortgage builder joint venture, reflects his commitment to implementing operational controls, strengthening business partner relationships, and ensuring overall divisional success. With a keen eye for aligning operating structures and a knack for recruiting and retaining top-notch staff, Michael brings a unique blend of strategic leadership and industry acumen to the table.
Prior to his current role, Michael served as the Branch Manager and Mortgage Loan Originator at Acrisure Mortgage in Atlanta, GA. Here, he was instrumental in the Metro Atlanta day to day operations, excelling in recruitment, business development, and fostering strong community relationships. Throughout his career journey, Michael has consistently displayed a passion for expanding market share, driving profitability, and ensuring exceptional customer satisfaction.
In addition to his professional endeavors, Michael proudly served in the United States Air Force from 1982 to 1992. Showcasing his dedication to service, he received numerous accolades throughout his tenure, culminating with the Air Force Commendation Medal and the Air Force Achievement Medal, both for meritorious service and going above and beyond the call of duty. His community engagement goes beyond the boardroom. Michael served as Chairman of the Board for the DeKalb County Chamber of Commerce. He was subsequently appointed to the DeKalb County Economic Development Authority by the Dekalb County Office of the CEO.
Contact Us
Fill out the form below and someone on our team will get in touch to schedule a meet up at the International Builder Show in Las Vegas between February 27-29, 2024.
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Josh Schwarz
Chief Strategy Officer
With over a decade of experience in the mortgage and technology industries, Josh brings a dynamic blend of business acumen and technical expertise to his role. He is responsible for driving the company’s long-term strategic initiatives, with a focus on innovation, process improvement, and the future of mortgage technology.
Josh began his career in sales before transitioning into the IT department at Acrisure Mortgage, where he started on the Help Desk. His hands-on experience across departments has given him a unique, enterprise-wide perspective and the ability to bridge the gap between operational needs and cutting-edge solutions. His expertise spans Robotic Process Automation (RPA), artificial intelligence, and enterprise-level project management.
A graduate of the University of Tampa with a Bachelor’s degree in Finance, Josh is known for his creative problem-solving approach and ability to think outside the box. He is passionate about leveraging technology to streamline workflows, increase efficiency, and position Acrisure Mortgage at the forefront of industry innovation.
Peter Conrad
Director of Capital Markets
Peter Conrad brings over a decade of experience in the mortgage industry, with a strong focus in Secondary Markets. He began his career in 2010 at Gershman Mortgage in St. Louis after earning his Bachelor of Accountancy from the University of Mississippi. In 2015, Peter relocated to Orlando, Florida, where he joined FBC Mortgage and has since become a key leader within the organization.
With 12 years of specialized experience in Secondary Markets, Peter currently serves as Director of Capital Markets at Acrisure Mortgage. In this role, he oversees all aspects of the Secondary function—including loan sales to investors, securing funding, and managing risk exposure. His leadership ensures the company maintains strong investor relationships and efficient capital execution.
Outside of work, Peter enjoys golfing and cherishes time spent with his two-year-old daughter.
