Local to Florida
Pensacola to the Keys. I know the local market and the local rules.
Florida Panhandle–based
Serving all of Florida
Equal Housing Lender
Stay in the home you love — with more breathing room.
For Florida homeowners 62+, a reverse mortgage can turn part of your home equity into cash, a line of credit, or monthly draws — without selling and without a required monthly principal-and-interest mortgage payment.
*You must continue to live in the home as your primary residence, pay property taxes and homeowners insurance, and maintain the property.
I'm Angie Scott, NMLS #387494 — a Senior Loan Officer and Reverse Mortgage Specialist. I'll walk you through options slowly, in plain English. Most first calls take about 15 minutes. Family is welcome.
No pressure. No jargon. Just a clear conversation about your options.
Panhandle · All of Florida
FHA-Insured HECM Loans
Equal Housing Lender
NMLS
#387494
Why Florida homeowners choose Angie
A specialist who actually picks up the phone.
No-Pressure Process
Plain English, every option explained. You decide — never the other way around.
You Remain the Homeowner
You stay on title. You stay in your home. You stay in control.
Real Person, Real Answers
Call my cell directly: 850-974-7854. No phone trees.
Meet Angie
Why I do this work
Angie Scott · Senior Loan Officer · NMLS #387494
Protect her dignity. Preserve her peace of mind.
Several years ago, my mother was diagnosed with dementia. Although she worked hard most of her life, her income and savings weren't enough for her to stay in her own home with a caregiver.
I knew a reverse mortgage could help bridge that financial gap. I also learned HECM reverse mortgages are typically non-recourse — meaning heirs are not personally liable for more than the home is worth when the loan comes due.
At the end of her life, we sold the home and received the remaining equity. This is my why. We could afford to keep her home — and today I help bridge that same financial void for so many seniors.
That's why I slow down, answer the hard questions, and never rush you. If a reverse mortgage isn't right for your situation, I'll tell you that — and we'll part as friends.
What to expect
A conversation — not a sales pitch.
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STEP 1
We listen first
Your goals, your home, your questions — including the ones family members are wondering about.
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STEP 2
Plain-English options
How a reverse mortgage works for your situation, with numbers you can understand — no jargon dump.
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STEP 3
You decide the pace
Take time. Talk with family. HUD counseling is required and helpful. There's never a hard close.
How a reverse mortgage could help
Four ways a reverse mortgage can help.
A HECM (Home Equity Conversion Mortgage) is an FHA-insured reverse mortgage for eligible homeowners 62+. Many people use it to free up equity in the home they already own. Others use HECM for Purchase to buy a new primary residence. In every case, you remain the homeowner — and you must still live in the home as your primary residence, pay taxes and insurance, and maintain the property.
Eliminate Mortgage Payments
Pay off your existing mortgage and stop monthly principal-and-interest payments. (You're still responsible for taxes, insurance, and upkeep.)
Supplement Retirement Income
Tap equity as monthly payments, a lump sum, or a line of credit you use when you need it. On many HECM lines of credit, unused funds can grow over time under program rules.
Pay for Care or Home Updates
Cover medical costs, in-home care, or aging-in-place renovations without selling.
Buy a Home
Use HECM for Purchase to buy a primary residence — often when downsizing — without a traditional monthly P&I payment. Large down payment required.
How purchase works →
Consumer education
HUD requires independent counseling before an FHA reverse mortgage
That is a good thing. A HUD-approved counselor — not the lender — walks through eligibility, costs, alternatives, and when a loan becomes due, so you can decide with clear eyes. We explain the same topics in plain English on our education page, plus link to official government resources.
- What a HECM is (FHA-insured reverse mortgage)
- Common myths (purchase, HELOC, heirs, and more)
- How to find a counselor (800-569-4287)
- Taxes, insurance & other borrower duties
Read the HECM education guide
Find a HUD counselor ↗
This site is not from HUD or FHA and is not a substitute for required counseling.
This is about your life at home — not just a loan.
Many people use reverse mortgage proceeds to eliminate a monthly payment, cover care costs, help family, buy a better-fitting home with HECM for Purchase, or simply sleep better knowing they have a cushion. We'll figure out together whether it fits your story.
Learn how it worksReady when you are.
Fifteen minutes with Angie can answer most first questions. No cost. No commitment. No pressure — bring a family member on the call if you'd like.