Amy Speak

Mortgage Banker

NMLS #: 683932

3240 Cardinal Drive, Vero Beach, FL 32963

Amy Speak | SouthState Mortgage

About Amy Speak

Amy Speak is a seasoned mortgage professional with more than two decades of experience helping clients achieve their homeownership and real estate goals. A proud graduate of the University of Florida, Amy earned her degree in Public Relations and Business laying the foundations that has served her well in building lasting relationships with clients, realtors, builders, and partners throughout her career. Since entering the mortgage industry in 2000, Amy has established herself as a top-producing loan officer with a reputation for excellence, integrity, and client-first service. She specializes in construction loans, physician loans, and jumbo financing, while maintaining deep expertise across all loan types to best serve every borrower she works with from first-time homebuyers to seasoned investors. Amy is proud to serve the SouthState footprint, which extends to Alabama, Colorado, Florida, Georgia, North Carolina, South Carolina, Tennessee, Texas, and Virginia. Amy is deeply committed to the community she calls home. She is a proud member of the Realtors Association of Indian River County and serves on the Board of Sebastain Charter Junior High. As the President of the Sebastain River High School PTSA, she works to support students and families in her community. Amy also volunteers her time teaching personal finance at local middle and high schools, helping young people build the financial literacy skills they need to thrive. Additionally, she serves as a Gala Coordinator, raising funds for Imani Milele Choir. Amy’s consistent performance and dedication to her clients have earned her numerous prestigious honors throughout her career: • 2020, 2022, & 2025 SouthState Bank Diamond Elite • 2021 & 2023 SouthState Bank Chairman’s Club • 2024 SouthState Bank President’s Club • 2025 SouthState Bank Phoenix President’s Choice Recipient • 2025 MBA of Florida Phoenix Award
Couple buying a home with an FHA Loan

FHA Loans

A Great Option for First Time Home Buyers

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family finding homes with affordable mortgage options

Buyer's Advantage

Helping You Achieve Homeownership

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Individual and family homebuyers assistance funding

Opportunity Advantage

Assistance for Qualified Home Buyers

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First-Time Buyer Resources

  • Resources for first-time homebuyers
  • Tips for improving your credit score
  • Get information on pre-qualifying
  • Learn about the loan process
  • Find a checklist of information you'll need to gather
  • Learn about Down Payment Assistance programs
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Recent Reviews

5 stars
Google   •   SouthState Bank
06/04/2026
This is our second mortgage through Amy, and this one is even smoother than the first one, which was seamless in the first place. She doesn't care if it's $100,000 or a $1,000,000 mortgage she treats you the same. The perfect person to be apart of the South State philosophy. I recommend her everyone, and you will not be disappointed in any way.
5 stars
Google   •   SouthState Bank
05/27/2026
Amy was absolutely incredible. The process was smooth and extremely fast. I still can't believe how fast we went from discussing the process to having an approval letter to closing all in less than 30 days. Amy and SouthState Bank were professional, responsive, and made the experience as stress free as possible from start to finish. I would highly recommend Amy and SouthState Bank to anyone looking for a mortgage lender.
5 stars
Google   •   SouthState Bank
05/23/2026
As a former mortgage lender for many years, I can very confidently refer Amy Speak. She has all the qualities you rely upon when purchasing a home. High energy, kind and courteous …but also very knowledgeable, responsive, and absolutely tenacious when necessary. During our recent purchase a certain document was needed. The HOA was under new management and unreachable …. Or so they thought!!! Amy was instrumental in obtaining what was needed and meeting our deadline. Thanks again Amy!

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