My name is Penny Bowhall, and I am a Florida Notary based in Panama City Beach, FL. I have worked in the mortgage industry since 2000 and bring a strong background in Mortgage Origination, Mortgage Processing, and Real Estate to every signing. I am NNA background screened and certified, bonded, and E&O insured. With a BA in Business and Human Relations and years as a business owner, I focus on professionalism, accuracy, and a smooth experience for every client.

I handle a wide range of loan products, including conventional (conforming and non-conforming), HELOCs and fixed seconds, commercial and business loans, FHA, VA, and Reverse Mortgages. I am also experienced with Wills, Powers of Attorney, Adoptions, Affidavits, music contracts, and various other legal documents. I offer flexible scheduling, including 24-hour service, hospital signings, and support for e-signings, and I cover Bay, Calhoun, Gulf, Okaloosa, Santa Rosa, Walton, Washington counties, and statewide (trip fee may apply outside my home radius). Choose me if you want a notary who is error-free, pleasant, and upbeat.