David Panicola   NMLS# 1570678   State License FL# LO43296

David Panicola
On Q Mortgage Consultant

About David Panicola


Hello, my name is David Panicola and I have been in the home business for many years. In the mid 90’s I was a real estate agent with a focus at the time on beachside properties in Brevard County. Then I took a break and started my own business. This was a transportation service for the elderly and people with disabilities. Recently I have returned to the home and mortgage industry and love it.

What Sets Me Apart


Since 1991 I have lived in Brevard County. This is a wonderful community and I am happy to be a part of it and serve the people of this area. Currently I coach a little league team. I was a varsity high school baseball coach for twenty-four years and retired in 2014. I have been serving on the Indian Harbour Beach City Council since 2003 and I am the current Mayor there.

My Story


I grew up on Long Island and received my Bachelors degree (BA) in Human Relations at St. Joseph’s Long Island. For the past 15 years I have been married to Robin and we have three wonderful children and two awesome grandchildren. A couple of times a week I enjoy playing tennis. Also my wife and I love taking trips in our RV whenever we get the chance.

What My Clients Are Saying

  • "My wife and I recently relocated to the Melbourne area. This was not our first home purchase, in fact it was our 6th. The mortgage process can always be frustrating, confusing and is always the least favorite part of buying a new home. We were then introduced to David and his team. Right from the start, things were different. From our first visit through closing he was awesome to work with. He took the time to thoroughly walk us through all the details that were important, make sure we understood what the new rules and regulations were and made the whole process a very pleasant surprise and experience. Not only did he work to get us the best rate, he worked the process and numbers to put us in a very favorable position. If you are looking to work with a mortgage consultant that cares and goes above and beyond, look no further....David Panicola is your guy!"


    - K. Draws

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  • "I was a first time home buyer and didn't know much, if anything at all about the mortgage process. David was so patient and helpful! Even though I live in St Petersburg and he is located in Melbourne, he made the whole process seamless and stress free. He's an excellent communicator and very personable. He definitely puts his clients needs first!"


    - Andra K.

  • "My wife and I worked with David Panicola to secure a loan for our first home purchase. David and his team were extremely helpful and had excellent communication throughout the loan process. They were happy to answer any questions we had about applying for our loan and took the time to help us understand any term that we were unfamiliar with. Purchasing our first home seemed like a daunting task, however David and his team helped alleviate the stress. I would highly recommend David Panicola to anyone looking to secure a loan for purchasing their home."


    - John M.

  • "Working with Mr Panicola, was a great experience, this was my first big loan for my house, and I got the best experience getting questions and answer from him at any time, if someday I have to get another loan, 100% I will call Mr Panicola first."


    - Dany G.

  • "Dave is the highly professional, knowledgeable and personable. He answered texts, emails and phone calls promptly and never made us feel rushed or just one of many clients. In the last month, we forged a relationship beyond the house buying process and am proud to call him a friend. I wouldn't hesitate to recommend him to anyone considering purchasing a home."


    - Sawyer F.

David Panicola

On Q Mortgage Consultant - On Q Financial

930 S Harbor City Blvd Suite 302 Melbourne, FL 32901
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321.405.0420
David.Panicola@OnQFinancial.com

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