About Us
Dan Overstreet and Charlie Camp, our senior loan officers combine for over a half century of experience in financing Florida real estate.
Dan Overstreet
A native Floridian from a time when native Floridians were rare, Dan Overstreet grew up in Brevard County. Like so many Brevard County families of the "Space Race" era, Dans father was employed by NASA at Cape Canaveral and was also retired military having served in WWII and the Korean War.
As a full time employee of NASA, Dans father was only able to dabble in Brevard County real estate but it was that dabbling that sparked Dans lifelong interest in Brevard County real estate and mortgage lending.
Dans family lived in North Indialantic near the Eau Gallie Causeway. During that era, most Brevard County real estate development was taking place in the "Space Center" communities of Titusville, Cocoa, Rockledge, Merritt Island and Cocoa Beach. Many thought that NASA generated real estate growth would result in northern Brevard County growing West towards Orlando and that Orlando would grow East with the two meeting in-between. Meanwhile, real estate in Melbourne and Southern Brevard County was little changed by the Space Race.
In contrast to the booming North Brevard County real estate market, South Brevard County real estate was characterized by miles and miles of undeveloped oceanfront and riverfront property. A trip down Melbourne Beach on A1A to Sebastian Inlet meant driving through seemingly endless miles of native scrub on either side of A1A. No one had ever heard of a condominium! The most notable oceanfront structures were abandoned wooden coastal watch towers from WWII. The Melbourne and eau Gallie causeways connecting the island to the mainland were low swingspans. Mathers Bridge, connecting Indian Harbour Beach and South Merritt Island over the Banana River was wooden!
On the mainland side of the Indian River, Sebastian, Grant and Malabar were sleepy fishing villages with very little real estate activity. Valkaria was an abandoned WWII airfield far from anything. Barefoot Bay did not exist. Palm Bay was made up of a few cottage homes along US-1 with nothing west of the railroad tracks except cattle pastures and palmettos.
Radiation (later became Harris) was the largest employer in Melbourne. In Melbourne, the real estate west of Babcock was rural. The US-192 bridge over the St. Johns river was wooden as were most other bridges along that rough flood prone highway connecting Melbourne to St. Cloud in Oceola County. Kissimmee was a small agricultural town and Disney was just a Sunday evening television show. Eau Gallie was still an incorporated city. Pineda was just a small cluster of fishermens homes. The Pineda causeway connecting the mainland to Merritt Island and Patrick AFB did not exist. Suntree and Viera were nothing but miles of palmetto and cattle pastures.
Dan attended Kindergarden in Indian Harbour Beach. Gemini Elementary in Melbourne Beach, Herbert Hoover Jr. High in Indialantic and Melbourne High School. After graduating from Melbourne High School, college took Dan to The University of Florida where he received his degree in Business Administration. Upon graduation, he returned to his roots in Brevard County and founded Atlantic Mortgage Services, Inc.
Originally located in the 1900 Building (formerly the Vancroy Theater) on the corner of New Haven Avenue and US-1 in Melbourne, Atlantic Mortgage moved to its present location at 1790 Hwy A1A, Satellite Beach in 1994.
Dan has seen the Brevard County real estate market change from mostly raw land and new construction to large "built out" areas with any new construction taking place in Western parts of Brevard.
Where real estate in Brevard County and the rest of Florida used to be financed with a simple 30 year fixed rate mortgage, a plethora of mortgage products are now available ranging from LIBOR based interest only mortgages, MTA ARM mortgages, hybrid mortgages, no income verification loans, no doc loans, no employment verificantion, loans special first time buyer loans and hundreds of other mortgage products.
Be it lending for residential or commercial property, single family or multi-family, new construction or existing structures, purchase or refinance, Dan and his staff do it all. Dan also believes strongly in the need to lend a helping hand and is active as a community consumer advocate for affordable housing and protecting consumers especially the poor, the elderly, the disabled and minorities against predatory (unscrupulous) lending practices.
Charlie Camp
When Charles Camp became a mortgage broker in Brevard County, mortgage rates were sky high. A 30 year fixed rate mortgage was 18 percent with even higher rates forecast for the future. Over the years, Charles has seen mortgage rates go higher and lower but through it all, the value of Brevard County real estate has steadily gone up.
When Charles graduated from Rockledge High School, the local economy was still dependant on NASA, an elegant home on River Road could be had for $100,000 and most people thought that was a really high price to pay. Viera and Suntree were still expansive pastures and palmettos. South Fiske Blvd was in the boondocks and a trip down US-1 to Melbourne seemed to take forever.
Through the years, Charles has stayed close to his roots. Still living in Rockledge, he is an active supporter of Rockledge High School and an avid outdoorsman. Charles loves to fish. Be it back country fresh water fishing, flats fishing in the Indian River and Banana River or offshore fishing, Charles does it all.
Charles is able to use his long term perspective on Brevard real estate to help guide his customers through the process of financing their home be it a purchase mortgage, refinance or, home equity line of credit. Charles has extensive experience with all phases of residential mortgage lending be it lot loans, construction-perm loans, condo conversion, apartment conversion, manufactured homes, multi-family homes and traditional single family homes. He is experienced in an extremely wide array of loan programs including, no doc, no income verification, no employment verification, bad credit, first time buyer programs, international borrower, investor, 1st mortgage, 2nd mortgage, HELOC, debt consolidation, cash out refinancing, no cash out refinancing, credit repair, and hard equity loans. Whatever the loan program, Charles searches hundreds of lenders to get the best mortgage rates for his customers.