Eric Nappy

Bank of England, England, Arkansas

Eric was born and raised in Gainesville, FL. Since 1979, his parents have owned and operated a restaurant, Napolatano's, which laid the groundwork for who he is today. They both instilled work ethic, honesty, passion and compassion among many other things that still apply to his everyday life. After living in South Carolina, Indiana, and New Hampshire, he found home in Ponte Vedra in 2013.

Him and his wife, Meg, are blessed to have a son, Wesley, a daughter, Collins, and a dog, Otis. In his downtime, he enjoys playing golf, fishing, skiing (water and snow), and pretty much any other outdoor activity. Also, just like so many other children raised in the south, Saturday’s in the fall are reserved for college football. He earned his BS from the University of Florida and an MS from the University of South Carolina.


Bryan Lakey

Future Home Loans, Jacksonville, Florida

Prior to becoming a Mortgage Broker with Future Home Loans, Bryan spent the previous 18 years, as a top producing Loan Officer for some of the largest banks in the nation. He has a 5-Star Zillow rating & has closed thousands of mortgages throughout his career… experiencing nearly every financial scenario. He knows how to get your loan closed! 

Integrity and trust are very important to Bryan. He understands that your home purchase or refinance can be stressful & sets out to simplify the process. He understands that purchasing or refinancing a home can be stressful, so he sets out to simplify the process. He takes the time to listen, sets upfront expectations, and communicates throughout to put you at ease. Bryan even follows up after your closing & aims to keep you as a client, for life.

Bryan is experienced in Conventional, Jumbo, VA, FHA and USDA financing as well as First Time Homebuyer programs. He loves working for a Veteran owned company that supports the community.

Bryan has called Jacksonville home for over 14 years. When he isn’t working, you’ll likely find him exploring the best food & beverages our Bold City has to offer. He & his family love the mountains. They try to get away on the hiking trails, whenever possible.