Your Mortgage Loan Originator
Personalized guidance for homebuyers, homeowners, and real estate investors. I'm here to make the mortgage process clear, straightforward, and tailored to your goals.
Built Where the Atlantic Meets Opportunity
The name Atlantic Palms Financial is rooted in Florida's identity. The Atlantic coast has long been a corridor of commerce, growth, and investment — where capital flows, communities rise, and real estate fortunes are made. The palm tree is Florida's enduring symbol: resilient, rooted, and built to weather any storm.
Atlantic Palms Financial carries that spirit forward. We are a modern investment lending partner — a place where serious real estate investors come to structure deals, access capital, and build lasting financial foundations. Just as Florida's coastline is defined by strength and opportunity, Atlantic Palms Financial is built on the same principles: know your client, understand their goals, and deliver financing that actually moves the needle.
"Every loan we close is a foundation. Every investor we serve is a long-term partner. That is the Atlantic Palms way."
Trust
Built through transparency, straight answers, and doing what we say we will do — every time.
Long-Term Relationships
We are not a one-deal shop. We grow with our investors as their portfolios grow.
Financial Foundations
Every loan structure is designed with your long-term wealth strategy in mind — not just the immediate transaction.
Personalized Mortgage Guidance
Kam Eubanks is a licensed Mortgage Loan Originator with a passion for helping clients navigate the mortgage process with confidence. From first-time homebuyers to experienced real estate investors, Kam brings the same level of personalized attention and care to every transaction.
Through NEXA Mortgage, LLC, Kam has access to a broad network of wholesale lending partners — offering a full spectrum of loan products including conventional, FHA, VA, jumbo, DSCR, and non-QM programs. More options means better outcomes for clients.
Kam believes the mortgage process should feel like a partnership — not a transaction. Clear communication, honest advice, and a commitment to your long-term financial well-being are the foundation of every client relationship.
"Personalized service, honest guidance, and a mortgage experience that puts your goals first."— Kam Eubanks
Qualifications & Expertise
Mortgage Programs for Every Goal
From first-time homebuyers to experienced investors — I have the right program for you.
Purchase Loans
Conventional, FHA, and VA purchase financing for homebuyers and investors. Personalized guidance from pre-approval to closing.
Refinance
Rate-and-term or cash-out refinance options to lower your payment, reduce your rate, or access equity.
VA Loans
Zero down payment financing for eligible veterans and active-duty service members.
FHA Loans
Low down payment options with flexible credit requirements for homebuyers and house-hackers.
DSCR & Investment Property
Qualify on rental income — no tax returns required. Ideal for buy-and-hold investors and portfolio builders.
Jumbo & Non-QM Loans
High-value properties and alternative documentation programs for clients who need flexible underwriting.
Financing Should Feel Like Partnership
Most loan officers treat every borrower the same. Kam takes a different approach — listening first, then finding the right solution. Whether you're buying your first home or your fifteenth investment property, you deserve a mortgage advisor who understands your goals and communicates clearly every step of the way.
Ready to Work With Kam?
Schedule a free consultation and get clear, honest answers about your mortgage options.