SandBar Realty Lenders

Guaranteed Rate

  • NameJessica Ciero
  • License1225589
  • Phone904-631-3696
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“There are no traffic jams along the extra mile.” -Roger Staubach

Hey there, you can call me Jess! I'm a mother of two girls, a cancer survivor and most importantly to you, a mortgage professional since 2011. 

I aim to set a standard of excellence by providing proactive and prudent advice combined with recommendations targeted towards helping home-buyers achieve their version of the American dream. I am committed to customer satisfaction and hope to assist you in making a sound and responsible financial investment in your future. My expertise allows me to offer straightforward and relaxed guidance for a smooth loan process for all parties involved.

Myself and my dedicated team will give you the personal attention you deserve throughout the process and loan closing on your home mortgage while offering some of the best possible loan options tailored to your specific needs.

I can offer all of the traditional products, but am also specialized in governement loans (FHA, VA and USDA) as well as construction to perm options and many non QM products catering to foreign nationals and investors. 

I look forward to hearing from you and cheering you on when you get the keys to your new place. It's my favorite part of the mortgage process. 

Bank of England Mortgage - Jacksonville Beach, FL

  • NameChad Ethier
  • License1182148
  • Phone407-416-1008
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Chad Ethier is a Mortgage Banker at Bank of England Mortgage and his main goal is to make sure you finish the loan process with a smile on your face. His team specializes in residential mortgage lending, so you are in expert hands and he is confident this will be the best home loan experience you will ever have. He specializes in first time home buyer mortgages, and he is a wealth of knowledge when it comes to this niche. He moved to Jacksonville Beach from Orlando in 2010 to finish his Bachelor’s degree at the University of North Florida (SWOOP). After graduating, his aspiration to pursue a career in real estate stemmed from his mother whose entire professional career was with residential home builders and architects. In 2016, the person who inspired his career, his mom, was diagnosed with cancer. In an effort to be closer to family and help with her fight, he transferred to our Orlando branch to work. He has since moved back to Jacksonville Beach, and he is happy to be back in the town he loves and has made his home. Outside of the office, he spends his free time surfing or on his boat fishing. He prides himself on being available night or day to answer any questions or concerns about the mortgage process or your real estate needs. Let his ambition be your tool to a smooth and rewarding mortgage experience! Because it's more than just loans... it's people!


  • NameKayla Sharp
  • License1827988
  • Phone904-654-0341
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Kayla is a Jacksonville native. You may have seen her on the sidelines with the Roar of the Jaguars in past seasons. She has a strong background in sales, marketing, and operational management. Her competitive nature and commitment to excellence was demonstrated by developing the best operational staff and game experience for our Jacksonville Sharks, arena football team.

She lives with her family in St. John’s County and is involved in multiple charitable organizations that focus on helping families with children with disabilities.

Kayla decided to make a transition in joining our ATM family because of our commitment and focus on putting the customer first. Her love of Real Estate and helping people achieve their goal of homeownership drives her to go the extra mile for her customers.

About SandBar Realty

Sandbar Realty is a team of expert real estate agents who have collectively served the Jacksonville area for six years. Kira Sikes and her team of expert real estate agents are dedicated to helping individuals reach their real estate goals. They aim to leave a lasting impact on the Jacksonville community by using their gifts and talents to serve and help others through the real estate industry and beyond.

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