Florida Panhandle · Crestview
Angie Scott talks with Crestview homeowners 62+ about a reverse mortgage when the house is their primary residence — the Okaloosa County seat on I-10, inland from the beaches.
Angie Scott · Senior Loan Officer · NMLS #387494 · HECM is for homeowners 62+ · Primary residence required
Crestview sits north of the beaches on Interstate 10. It is the Okaloosa County seat — courthouse traffic, in-town streets, and families who are not living a vacation-rental calendar.
Angie grew up in the Fort Walton Beach area and has lived on this stretch of the Florida Panhandle her whole life. Crestview is part of the same county she has always called home, just inland from the water.
Call 850-974-7854 or send a note.
If you are 62 or older and this is your primary residence, a HECM may let you use part of your equity without selling. Some inland homeowners look at it to drop a monthly mortgage payment or keep a line of credit for later. You stay on title while you meet the loan terms.
There is no promised cash amount on this page. Eligibility depends on the home, your age, a financial assessment, counseling, and program rules.
If you plan to leave Crestview soon, if the property is not your primary residence, or if you cannot keep taxes and insurance current, skip the HECM. Angie would rather tell you that on a 15-minute call than let a website oversell it. HUD counseling is still required if you proceed.
Required by federal law
Before an FHA HECM, Crestview homeowners must complete counseling with an independent HUD-approved counselor — not hired by the lender. That is a good thing. The counselor covers eligibility, costs, alternatives, and when a loan becomes due.
Find a counselor at 800-569-4287 or HUD’s search tools. Angie can explain the overall process in plain English, but she cannot replace counseling. Read more on the HECM overview and FAQ.
Fifteen minutes. No cost. No commitment. This is not a loan approval.
Equal Housing Lender · NMLS #387494 · Primary residence · Age 62+
Angie also talks with homeowners in these communities — same cell, same rules.