"Tammy (Lally) is enthusiastic,
  persevering and direct!  What I appreciate is
  her  determination to find  me the best  loan
  for refinancing  my home with  the terms  to
  meet  my  changing needs.  She is  guiding
  me through the process to make what could   potentially be a  maze of  paper work,  both   simple and clear.

  Tammy is a trusted adviser and a friend!" 

- Kanu Kogod PhD, MCC
       and satisfied customer

What Clients Are Saying

"Tammy has helped me on a number of transactions.  She is very professional, prompt, and patient in answering my never-ending questions. She will give objective advice that is in her client's best interest.  I highly recommend Lally and Associates."
- Jessica D. Jacksonville, FL <back>

"I have been a client of Tammy's twice and both times the customer service I received, as well as the terms of the loan, were excellent!  I will definitely seek her expert advice and professionalism in the future."
- Rick R. St. Petersburg, FL <back>

"Tammy cares. Tammy will do all she can to help a friend and if you are a client, you are a friend. With Tammy, if it's promised, it's done. That simple. My husband and I consider Tammy one of our kids. Additionally, I consider her one of my dearest friends. She's a keeper. She's got boundless energy, innovative ideas, and a sparkling personality."
- Judy H. San Diego, CA <back>

"As a Watson Atlantic Beach realtor for over 10 years, have chosen Tammy Lally for many complex transactions.  Tammy is knowledgeable, quick and accurate with our direction, obtains the best loan for my client and the sales close with success."
- Jane K. Jacksonville, FL <back>

"Tammy has assisted me with approximately 5 real estate transactions over a 4 year period.  Some have been quick and easy.  Others have had some significant challenges.  In either case, Tammy met the challenge head on and only involved me when it was absolutely necessary.  Real estate investment is a means of diversifaction for me and my time is valuable.  Tammy understands this and has always been professional and proficient.  Most of all I trust her and she is a pleasure to work with.
- Billy H. Jr. Atlantic Beach, FL <back>

"I can honestly say that we would not be in the house that we love so much if it wasn't for Tammy. She went above and beyond in her service to make sure that we had everything we needed and always told us, "Don't worry about it, I'll take care of it," and she always did seamlessly. We will always use Tammy and will highly recommend her to all our friends, associates or anyone who is considering a loan. Simply put, you can not do better than Tammy and Associates.
- Kenny and Vera D. Jacksonville, FL <back>

"Over the last five years I have had the opportunity to work with Tammy on a personal and professional level, which brought me ease, comfort, information, and educational experiences beyond imagination.  Her charismatic personality, unbelievable work ethic and knowledge of the mortgage business made me very comfortable being a first time home buyer.  I have also had the opportunity to watch Tammy excel at what she does because she cares about people and she enjoys helping others get exactly what they want.  Tammy has the ability to help every individual fulfill all of their dreams, hopes and desires.......If you have big dreams....Lally and Associates is there to help you make those dreams come true!"
- Jennifer H.. Jacksonville Beach, FL <back>

"I recommend you to everyone that I know that is seeking a mortgage.
‘ I always use Tammy’ "
- Bill H Sr. Ponte Vedra Beach, FL <back>