Florida Panhandle · Gulf Breeze

Reverse mortgage help in Gulf Breeze, Florida

Angie Scott talks with Gulf Breeze homeowners 62+ about a reverse mortgage when the house is their primary residence — Santa Rosa Sound streets that are quieter than the island itself.

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

Call 850-974-7854 Send a message

Sound-side, not the island party map

Gulf Breeze sits on the peninsula between Pensacola Bay and Santa Rosa Sound, with Pensacola Beach just across the Bob Sikes Bridge. A lot of the town is quieter residential — people who live here, not people who only park here to get to the island.

Angie grew up in the Fort Walton Beach area and has lived on this stretch of the Florida Panhandle her whole life. Gulf Breeze is west along the same panhandle she has always lived on.

Call 850-974-7854 or use the contact form.

When a reverse mortgage can help in Gulf Breeze

Homeowners 62+ who occupy a Gulf Breeze house as their primary residence sometimes look at a HECM to stay in a neighborhood they already know, reduce a monthly principal-and-interest payment, or keep equity available. You remain the homeowner. Taxes, insurance, and upkeep remain yours.

Angie will not invent a home value or tell you that you qualify from an email. The first call is for fit — then counseling if you want to go further.

When it may not be a fit

Pensacola Beach second homes and rentals are not HECM properties. A Gulf Breeze house you do not live in is not either. If you cannot carry taxes and insurance, stop. HUD-approved counseling is required before an FHA reverse mortgage.

Required by federal law

HUD counseling comes first

Before an FHA HECM, Gulf Breeze 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 Gulf Breeze?

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.

Pensacola Navarre Milton All areas →