Jacksonville, FL

8665 Baypine Road
120
Jacksonville, FL 32256
NMLS#: 338923

Our Originating Team

 

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Borrower Testimonials

Rating: 5.0 out of 5.0 from Encompass
David stays ahead of most situations that can happen in a transaction. He is always available to help
DavidMIDDLEBURG, FL
Rating: 5.0 out of 5.0 from Encompass
Macy is very attentive and a great communicator! Hands down a great LO! Highly recommend!
Hannah L.VIRGINIA BEACH, VA
Rating: 5.0 out of 5.0 from Encompass
Tyler was amazing. Help me get through this process. As I was selling my previous property. With all the stress that was on my shoulders. At the time he made this a very pleasurable and smooth process. I would recommend tyler to anybody purchasing a new home.
Steven LynnCOCONUT CREEK, FL
Rating: 5.0 out of 5.0 from Encompass
Michael and his team are the best in the business! Wonderful to deal with and the communication is second to none! strongly recommend!!!
Michael X.JACKSONVILLE, FL
Rating: 5.0 out of 5.0 from Encompass
Macy was super informative, and always on top of everything
Sergio GPORTSMOUTH, VA
Rating: 5.0 out of 5.0 from Encompass
Macy was very professional and got us to the closing table smoothly, with no hiccups. She provided excellent service to our mutual clients and myself throughout the process. 10 out of 10 recommend.
LauraSHAWBORO, NC
Rating: 5.0 out of 5.0 from Encompass
Macy is so great at what she does. Very kind, caring, knowledgeable, and just all around amazing to work with.
Eric BrianSHAWBORO, NC
Rating: 4.7 out of 5.0 from Encompass
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Timothy JVirginia Beach, VA
Rating: 5.0 out of 5.0 from Encompass
Tyler's communication and dependability is 2nd to none
ShawnSUFFOLK, VA
Rating: 5.0 out of 5.0 from Encompass
It was a pleasure working with Tyler . He made the process less stressful for me. Thank you again!
PansySUFFOLK, VA
Rating: 5.0 out of 5.0 from Encompass
Great experience. Appreciated.
XiangganPOINCIANA, FL
Rating: 4.7 out of 5.0 from Encompass
We had to reconsider a few things but at the end of it all, things came together.
WallaceJACKSONVILLE, FL
Rating: 5.0 out of 5.0 from Encompass
We had an absolutely wonderful experience working with Michael and Shannon during the closing on our new home! They were both incredibly professional, knowledgeable, responsive, and helpful throughout the entire process. They made what can sometimes be a stressful experience feel smooth and easy. Michael and Shannon went above and beyond to answer...
Kristy LeighPonte Vedra, FL
Rating: 5.0 out of 5.0 from Encompass
Communication was very good.
James MPonte Vedra, FL
Rating: 5.0 out of 5.0 from Encompass
You guys tried and make it happened
YarinesPonte Vedra, FL
Rating: 5.0 out of 5.0 from Encompass
Michael and his team are always communicative and responsive. I really appreciate the weekly updates, and the level of customer service you receive when working with them is truly rare these days. They consistently go above and beyond to keep you informed and make sure you feel supported throughout the process. Highly recommend!
Yamile OsorioPOINCIANA, FL
Rating: 5.0 out of 5.0 from Encompass
David, Bre and the rest of their team were incredible. They were timely, communicated well, and took my numerous calls to help guide me and my wife though this process. They broke the numbers down in a way that was easy to understand so I knew exactly what was going on. I would recommend David to a...
James WJACKSONVILLE, FL
Rating: 5.0 out of 5.0 from Encompass
Michael and his team were amazing - again! This is our second time working w/ Michael and Shannon and they were both wonderful to work w/ and just as impressive in handling our home buy.
James ThomasSANIBEL, FL
Rating: 5.0 out of 5.0 from Encompass
great communication and process was very smooth.
BradyJACKSONVILLE, FL
Rating: 4.8 out of 5.0 from Encompass
Michael was knowledgeable and kept us all updated throughout the process.
KenSANIBEL, FL
Rating: 5.0 out of 5.0 from Encompass
Macy made everything seem easy and I was never feeling uninformed or anxious about the process. She is the BEST!
CarmineNEW PORT RICHEY, FL
Rating: 5.0 out of 5.0 from Encompass
Michael's communication was great and kept us informed throughout the process.
Melissa MeideFleming Island, FL
Rating: 5.0 out of 5.0 from Encompass
Michael was very reapinsive and helpful and went out od his way to make sure it all went well when there hiccups he atood up fixed them and showed hia commintment to making sure we were hapoy ans delivering the product he promised!
Richard AFleming Island, FL
Rating: 4.8 out of 5.0 from Encompass
The responsiveness of and access to our Loan Officer Macy.
Michael FSUFFOLK, VA
Rating: 5.0 out of 5.0 from Encompass
I’ve worked on dozens of transactions with Michael Gayda and his team, including Shannon Vargas, and they have consistently delivered exceptional service. Michael is an outstanding communicator who keeps everyone informed throughout the loan process, and he has a real talent for thinking outside the box to find solutions when challenges arise. Sh...
IraPonte Vedra, FL
Rating: 5.0 out of 5.0 from Encompass
The whole team is personable and responsive - they make getting a mortgage seem easy!
JenniferPonte Vedra, FL
Rating: 5.0 out of 5.0 from Encompass
Macy is very personable, always availble, anticipates friction points, and quick to resolve issues. She is fabulous!
Stephen PCrozet, VA
Rating: 5.0 out of 5.0 from Encompass
Tyler was outstanding while helping us throughout our Mortgage process. Helped us in a great professional manner.
RoshanORLANDO, FL
Rating: 4.7 out of 5.0 from Encompass
We were able to get Loan Approved for my client and get him in to a Home.
JERRYNORTH FORT MYERS, FL
Rating: 5.0 out of 5.0 from Encompass
Excellent communication!
Lisabelen A.SUFFOLK, VA
Rating: 5.0 out of 5.0 from Encompass
Fast response times - personal service - all answers provided
RichardPONTE VEDRA, FL
Rating: 5.0 out of 5.0 from Encompass
Macy was the star of the show. She was great to deal with and very pleasant to talk to. She made The process easy and as stress-free as possible.
grimtownentCharlottesville, VA
Rating: 5.0 out of 5.0 from Encompass
The team working togethe.
MaryPALM BAY, FL
Rating: 5.0 out of 5.0 from Encompass
I truly can't thank the OVM team enough for helping me get to closing. Mike Oaks, Macy Griffin, and the underwriting team went above and beyond every step of the way. Macy was always available, dedicated, kind, and quick to answer questions, Mike was reassuring and knowledgeable, and the underwriter worked incredibly hard behind the scenes to help...
Lisa LynetteChesapeake, VA
Rating: 5.0 out of 5.0 from Encompass
David made the buying process so easy for my clients. He had very open and easy communication between myself and my clients
McKaylaBAXLEY, GA
Rating: 5.0 out of 5.0 from Encompass
David went above and beyond! He was on a trip so o tried to use i doffernt loan office. that was a big mistake! As soon as he got back he saved us! He got everything ready to close in just a few weeks! He answered every question and was honest. I highly recommend David! Thank you so much for ...
ZacharyBAXLEY, GA
Rating: 5.0 out of 5.0 from Encompass
Tyler & Renita were wonderful to work with, great all around!
EricWEST PALM BEACH, FL
Rating: 5.0 out of 5.0 from Encompass
Macy is always great to work with! Wonderful communication & very knowledgeable!
FRANKIECHESAPEAKE, VA
Rating: 4.2 out of 5.0 from Encompass
Friendly, consistent communication
DouglasDAVENPORT, FL
Rating: 4.7 out of 5.0 from Encompass
Fantastic communicatio, speedy and efficient service.
KatieFERNANDINA BEACH, FL
Rating: 5.0 out of 5.0 from Encompass
you and your team are wounderfull. You answer all our questions, provided us the nessicary tools for secure communication, and ran everything thru smoothly and quickly from start to finnish. Professionalism at its best.
Donovan LynnSAINT GEORGE, GA
Rating: 4.5 out of 5.0 from Encompass
Friendly, helpful communication
LaurieDAVENPORT, FL
Rating: 5.0 out of 5.0 from Encompass
Explained the process in detail and the communication line was open the whole time. Questions were answered when needed. Thanks for making this a smooth venture.
Ulrike ChristaSAINT GEORGE, GA
Rating: 4.8 out of 5.0 from Encompass
Tyler is so professional and kept us informed about everything, which made the whole experience pleasant.
Joshua BLAKELAND, FL
Rating: 5.0 out of 5.0 from Encompass
Working with Michael and his team is always great! I'm confident my clients will be well taken care of and have a great experience. Thanks again Michael!
BrianPONTE VEDRA, FL
Rating: 5.0 out of 5.0 from Encompass
Tyler & Renita were wonderful, friendly, and helpful throughout our process. Highly rec!
ChristinaWEST PALM BEACH, FL
Rating: 5.0 out of 5.0 from Encompass
Tyler was amazing every step of this process. He went above and Beyond!
Carrie RLAKELAND, FL
Rating: 5.0 out of 5.0 from Encompass
The team was wonderful! very committed to helping make this closing happen, everyone was so friendly and understanding of the stress purchasing a home can sometimes bring!
JessicaGREEN COVE SPRINGS, FL
Rating: 5.0 out of 5.0 from Encompass
excellent communication and service.
JohnGREEN COVE SPRINGS, FL
Rating: 5.0 out of 5.0 from Encompass
if you are in a finance ditch, Tyler is the one you want with you
MikeDELRAY BEACH, FL
Rating: 5.0 out of 5.0 from Encompass
Macy is a " top notch" agent, who goes over and above to help in any way she can. We and our daughter have used Macy before, and would not even think of using another one else in the future. " The Best of the Best! "
Daniel DShawboro, NC
Rating: 5.0 out of 5.0 from Encompass
I know I can always count on Macy to Provide our shared clients with top notch service! she truly cares about them and will always go the extra mile to make sure they are happy with their home buying experience .
ANNShawboro, NC
Rating: 5.0 out of 5.0 from Encompass
Always helpful and kind
Sandra LShawboro, NC
Rating: 5.0 out of 5.0 from Encompass
Michael and his team of professionals are TOP NOTCH! I have worked with them for years across multiple transactions and you simply cannot find a better team. Everything about our transaction was easy and smooth because of them. We cannot recommend them enough! We love our new home but if we ever need another mortgage, Michael will be my first call....
Lauren ElizabethSAINT JOHNS, FL
Rating: 5.0 out of 5.0 from Encompass
Communication, speed of services, professionalism, everything.
KristiJACKSONVILLE, FL
Rating: 5.0 out of 5.0 from Encompass
Michael and Shannon were absolutely amazing to work with, made this the easiest experience I could ever imagine.
ChristopherPANAMA CITY BEACH, FL
Rating: 5.0 out of 5.0 from Encompass
Clear communication Documents easy to upload quick responses to questions worked all hours to ensure I was taken care of
Jordan AVIRGINIA BEACH, VA
Rating: 5.0 out of 5.0 from Encompass
and Shannon Bowen amazing job especially Michael. I appreciate so much that you had my back. I know it wasn't easy, but your efforts on my behalf matter even more because of itu thank you.
Nancy L.JACKSONVILLE, FL
Rating: 5.0 out of 5.0 from Encompass
Macy was in constant communication. She was very responsive to questions, and went to bat for us when some oddities came up during the underwriting process.
MichaelVIRGINIA BEACH, VA
Rating: 5.0 out of 5.0 from Encompass
very professional, easy access
SamipJACKSONVILLE, FL
Rating: 5.0 out of 5.0 from facebook
David made the whole process easy and seamless. He is very knowledgeable and will be able to answer any question you have!
John King
Rating: 5.0 out of 5.0 from Encompass
David and Shannon made the whole process so easy. We could'nt have been more pleased. :)
Summer LynnJACKSONVILLE, FL
Rating: 5.0 out of 5.0 from Zillow
David is tenacious and will not stop until the job is complete. There was nothing that he did not overcome and was always a pleasure to deal with. I would recommend David to anyone looking for a mortgage professional. He is knowledgeable and always finds solutions to get the job done!
Mdewitt6Ponte Vedra Beach, FL
Rating: 5.0 out of 5.0 from Zillow
Team Wakefield are great people to work with. Purchasing a home can be very tedious with all the paperwork that’s required. The entire office worked together and got it done for us.
Michael And Tonya WaJacksonville, FL
Rating: 5.0 out of 5.0 from Zillow
David Wakefield with PrimeLending was an excellent partner and helping us with our mortgage preparation all the way from through closing. I would absolutely highly recommend him and his team to any of my friends or family members.
Zuser201507071108123Ponte Vedra Beach, FL
Rating: 5.0 out of 5.0 from Zillow
David and his team are great. They answered all of my questions and were always very responsive! We closed on time and they made the process way easier than I could have imagined it being.
AprilbpainterJacksonville, FL
Rating: 5.0 out of 5.0 from Zillow
Teamwakefield has been amazing. I was so appreciative of Prime lending with my previous home we chose to use them for our second home. Everything went so smooth. They kept us informed the entire process.
Dgonyer271Jacksonville, FL
Rating: 5.0 out of 5.0 from Zillow
I am honored to leave the second review for Michael Gayda. PLease refer to my previous review on 09/2016. I mentioned that I will use him again for my next purchase, I did indeed. I just bought my second and forever home. Michael made it happen and gave me a very competitive rate!!!. He is the best in Town.
Awesome Lender AgainPonte Vedra Beach, FL
Rating: 5.0 out of 5.0 from Zillow
LOVE LOVE LOVE! Michael Gayda and his team are amazing! Michael Gayda and his team are quick to respond either with a phone call or email. I love that I have them in my back pocket and will not use any other lender again! His team has made all my transactions very seamlessly and flawless.
Timothymgreen86Punta Gorda, FL
Rating: 5.0 out of 5.0 from Encompass
Communication, clarity, and transparency throughout the whole process from start to finish .
Aaron KyleJACKSONVILLE, FL
Rating: 5.0 out of 5.0 from Encompass
David communicated promptly even while on vacation! His team worked tirelessly to help my buyer close on time even when we had some last minute obstacles that could have set us back. Will recommend David for future clients.
Kim JACKSONVILLE, FL
Rating: 5.0 out of 5.0 from Encompass
Macy is excellent to work with! I cannot wait until the next transaction.
Kim L.WILLIAMSBURG, VA
Rating: 5.0 out of 5.0 from Encompass
Professionalism, informational and personable .
JonathanWHITE OAK, GA
Rating: 5.0 out of 5.0 from Zillow
Michael Gayda was an excellent resource when I purchased my home! Michael was more than willing to help and answer any questions I asked (and I had a lot of them since I was a first time home buyer). I have recommended friends to use Michael for initiating a home loan and would recommend any person I talk with to take advantage of his expertise a...
NicholasJacksonville, FL
Rating: 5.0 out of 5.0 from Encompass
absolutely would recommend
Wesley AustinWILLIAMSBURG, VA
Rating: 5.0 out of 5.0 from Encompass
Seamless experience!
MindyPALATKA, FL
Rating: 5.0 out of 5.0 from Encompass
Very communicative and quick to respond. Kept the transaction on track.
Doreen AnnSAINT JOHNS, FL
Rating: 4.5 out of 5.0 from Encompass
We had a little hiccup at the end regarding closing mix-up due to appraisal delay, but other than that everything was handled very professionally and things went pretty smoothly throughout the process.
TomPONTE VEDRA, FL
Rating: 5.0 out of 5.0 from Encompass
Michael Gayda and his assistant Shannon were the definition of professional. They were quick to respond if I had questions and always kept me informed of what was going on.
MarcSAINT JOHNS, FL
Rating: 5.0 out of 5.0 from Encompass
Macy and the Oaks Team are the best! Had a few hiccups (unrelated to lending) in our home buying process and they stayed on top of everything. Second time using the Oaks team and first time getting to work with Macy, I cannot reccomend them enough.
Tyler DVIRGINIA BEACH, VA
Rating: 4.7 out of 5.0 from Encompass
It was a very smooth and professional experience. Macy was great to work with, thank you again!
Inna EVIRGINIA BEACH, VA
Rating: 4.7 out of 5.0 from Encompass
Comminication was clear and steps were very organized. The team made the process easy!
Olivia JosephinePONTE VEDRA, FL
Rating: 5.0 out of 5.0 from Encompass
Great experience! Very simple and happy with how flexible you guys were with us being gone a lot.
PeterNORFOLK, VA
Rating: 5.0 out of 5.0 from Zillow
Tyler was incredibly helpful throughout the process of buying my first home. He was readily available to answer any questions that I had and walk me through the home-buying process. Tyler worked hard to get me the best loan for my situation and close on time.
KathleenPalmyra, VA
Rating: 5.0 out of 5.0 from Zillow
Oh my gracious, what a help Tyler was to my situation! My realtor didn’t do much in the way of keeping in touch with the lender, so it was up to me. Tyler was very supportive and let me vent when needed. He helped me get everything in order for my loan and was always a pleasure to talk to. He stayed it touch with me a LOT and never made me feel ...
Zuser201609260914233Keswick, VA
Rating: 5.0 out of 5.0 from Zillow
This refinance was seamless! Tyler was always a phone call or text away and made sure we knew what to expect next (silence, so many days for this or that). I wouldn’t dream of doing business elsewhere!
Growneyfamof4Portsmouth, VA
Rating: 5.0 out of 5.0 from Zillow
Tyler fell short of NOTHING!! Very professional, down to earth, and understanding! He was at all times only a phone call or text away! My experience with him at OVM was phenomenal from beginning to the end. The end we both got a good kick out of (closing day!) Thank you Tyler for being YOU!
Tasha CreasyPalmyra, VA
Rating: 5.0 out of 5.0 from Zillow
Tyler always answered my calls or texts in a timely manner. He was very helpful and patient with walking us through the homebuying process. Thanks, Tyler!
Pwranich28Portsmouth, VA
Rating: 5.0 out of 5.0 from Zillow
Made us feel comfortable throughout the process. Tyler kept me informed. He was always available when we had questions. I would 100% recommend him to my close friends and family.
BrittanyRichmond, VA
Rating: 5.0 out of 5.0 from Zillow
Tyler was very knowledgeable and responsive to all of my questions and concerns. He was very thorough in explaining things to me. He was very friendly and professional in emails and during phone calls.
KelicasnipesHampton, VA
Rating: 5.0 out of 5.0 from Zillow
We had an excellent experience working with Tyler! He was always responsive to our questions. From beginning to end, the experience was really speedy and we were always told what step we were in and what would happen next. The seller had a small closing delay, but we were ready to go on time! We appreciate Tyler helping us through this!
Lewells79Newport News, VA
Rating: 5.0 out of 5.0 from Zillow
Had the best service and professionalism at its best. Kept me updated all everything .Tyler and George were amazing. I was able to close on time. They also got me the best rate . I would recommend them to anyone and they deserve 5 stars.
Tariromunyaradzi351Newport News, VA
Rating: 5.0 out of 5.0 from Zillow
Tyler is amazing. He went above and beyond for me and my wife through this entire process from start to finish. He honestly turned our dream into a reality. As first time home buyers he really made this experience very smooth. We can't thank him enough !
Cameron McphersonVirginia Beach, VA
Rating: 5.0 out of 5.0 from Zillow
Tyler Campbell is an excellent loan officer and a great person to work with. Tyler gave us several options to make sure all of our loan needs were met. Tyler was very helpful explaining the loan process and was prompt with returning all calls even after business hours. I truly felt comfortable that Tyler had my best interest in mind. I would defini...
Lashande JulesNewport News, VA
Rating: 5.0 out of 5.0 from Zillow
Tyler was great. He assisted us while stationed overseas. Made the process easy and efficient. He explained everything on the closing cost, as we are first time home buyers. I would recommend
Williamsjasmine0814Hampton, VA
Rating: 5.0 out of 5.0 from write_review
Shannon was great, I recently worked on a file as the TC and she was so great with communication, answering questions and following up on every detail ina. timely manner, absolutely would recommend Shannon. Hope to work with her again soon!
Rating: 5.0 out of 5.0 from Encompass
Wonderful to work with
MICHAELONANCOCK, VA
Rating: 5.0 out of 5.0 from Encompass
I like how they communicate with you along the way with everything going on keeping you updated, by letting you know, each step and details, even when things may seem overwhelmed, she gave me reassuring words to let you know, everything is ok that truly made me very comfortable, how everything was done in a timely manner, overall, great experience...
CrystalNEWPORT NEWS, VA
Rating: 5.0 out of 5.0 from Encompass
Macy made everything go well and smooth. I'm not sure how anyone else could've made our experience any better. My wife and I will be recommending OVM anyone looking for a lender in Florida.
Patrick CDavenport, FL
Rating: 5.0 out of 5.0 from Zillow
Shannon helped me and my wife refinance our home, guiding us through a new and what could have been pretty intimidating experience. She made the process smooth and she answered our questions clearly and patiently. We couldn't have been happier with the whole thing. When we were ready to look for a mortgage for a new place, she was the first person...
JamesJacksonville, FL
Rating: 5.0 out of 5.0 from Zillow
Shannon was our lender for our first time home buyer purchase. We ended up with first time homebuyers down payment assistance loan and then ended with NO CLOSING COSTS! We only had to pay for inspections! How AMAZING! She literally made our financial situation match what we could afford and estimated MORE during the process so that we could be prep...
KalaOcala, FL
Rating: 5.0 out of 5.0 from Zillow
Shannon was extremely helpful in every way. This was my first experience with getting a mortgage loan and she made it so easy and simple. It almost seemed effortless! I strongly recommend working with Shannon.
Dillan MarshallOcala, FL

Realtors! Announcing Our: Real Estate Realities Masterminds

On 10/21/2026 at 2:00 pm

In a crowded market, doing great work is not always enough. People also need to understand what makes working with you different. Join me for Real Estate Realities: Jumpstart Your 2027 with Lance Pendleton on October 21 at 2 p.m. ET. Lance will share how to: - Create messaging that cuts through industry noise - Build a business around what clients truly need - Deliver an experience people remember and want to refer See you there!