Florida Panhandle · DeFuniak Springs

Reverse mortgage help in DeFuniak Springs, Florida

In DeFuniak Springs, a reverse mortgage is for homeowners 62+ whose house is their primary residence. Angie Scott is based on the coast and serves this Walton County seat along I-10.

Angie Scott · Senior Loan Officer · NMLS #387494 · HECM is for homeowners 62+ · Primary residence required

Call 850-974-7854 Send a message

Walton’s county seat — inland from 30A

DeFuniak Springs is the Walton County seat on I-10, built around Lake DeFuniak and a Victorian downtown circle. It is the same county as Destin, Santa Rosa Beach, and Freeport, and a different kind of town: inland, year-round, not a weekly-rental strip.

Angie grew up in the Fort Walton Beach area and has lived on this stretch of the Florida Panhandle her whole life. DeFuniak sits between Chipley and the coast she already knows — she takes the call from there.

Call 850-974-7854 or send a short note.

When a reverse mortgage can help in DeFuniak Springs

A HECM is for homeowners 62+ who live in the home as their primary residence. In DeFuniak Springs that usually means an in-town or nearby house someone already occupies — not a 30A condo. Some families look at it to pay off an existing mortgage or keep a line of credit while staying on title.

You must still pay property taxes and homeowners insurance and maintain the property. Eligibility depends on age, rates, the home, counseling, and program guidelines. Nothing here is an approval.

Coastal Walton is a different conversation

A beach house in south Walton, a short-term rental, or any property that is not your primary residence does not qualify — even if the tax bill says Walton County. If you live in DeFuniak Springs year-round and this is home, we can talk. If it is a second place, stop here.

HUD-approved counseling is required and independent. Angie cannot replace it.

Required by federal law

HUD counseling comes first

Before an FHA HECM, DeFuniak Springs 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.

Want to talk through DeFuniak Springs?

Fifteen minutes. No cost. No commitment. This is not a loan approval.

Call 850-974-7854 Contact Angie

Equal Housing Lender · NMLS #387494 · Primary residence · Age 62+

Nearby towns

Angie also talks with homeowners in these communities — same cell, same rules.

Chipley Freeport Crestview All areas →