Florida Panhandle · Fort Walton Beach

Reverse mortgage help in Fort Walton Beach, Florida

Angie Scott talks with Fort Walton Beach homeowners 62+ about a reverse mortgage when the house is their primary residence — Okaloosa Island, Eglin-area families, and in-town neighborhoods she has known her whole life.

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

Call 850-974-7854 Send a message

Home — not a service territory on a map

Angie Scott grew up in the Fort Walton Beach area. She still lives here. This has been home her whole life — in-town streets, the sound, Okaloosa Island, and the Eglin community that shapes so many local families.

When Fort Walton Beach homeowners 62+ ask about a reverse mortgage, they are talking with someone who already knows the difference between a year-round house off U.S. 98 and an island condo held for guests. She answers her own cell: 850-974-7854. You can also send a message.

No phone tree. No pressure. Family is welcome on the call.

When a reverse mortgage can help in Fort Walton Beach

A HECM is an FHA-insured reverse mortgage for eligible homeowners 62+ who live in the home as their primary residence. Some in-town and Eglin-area families look at it to pay off an existing mortgage, add a line of credit, or keep more flexibility for care — while staying on title and staying in the house.

You must still pay property taxes and homeowners insurance and maintain the property. How much you may access depends on age, rates, the home, and program guidelines. This page is not a commitment to lend and not an approval.

Okaloosa Island vacation units are a different question

Okaloosa Island has condos and beach houses that are not anyone’s primary residence. Those do not qualify. If you live in Fort Walton Beach year-round and the house is your home, we can talk. If it is a rental or a second place, a HECM is the wrong product.

HUD-approved counseling is required before an FHA reverse mortgage. The counselor is independent — not hired by Angie.

Required by federal law

HUD counseling comes first

Before an FHA HECM, Fort Walton Beach 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 Fort Walton Beach?

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.

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