Florida Panhandle · Mary Esther
Angie Scott talks with Mary Esther homeowners 62+ about a reverse mortgage when the house is their primary residence — just west of Fort Walton Beach on U.S. 98, a small Okaloosa community she has known her whole life.
Angie Scott · Senior Loan Officer · NMLS #387494 · HECM is for homeowners 62+ · Primary residence required
Mary Esther sits just west of Fort Walton Beach along U.S. 98, between the sound and the highway. It is a residential stretch, not a destination strip.
Angie grew up in the Fort Walton Beach area and has lived on this stretch of the Florida Panhandle her whole life. Mary Esther is next door to where she grew up — the same corridor, the same everyday errands.
Call 850-974-7854 or contact Angie. Family can join.
Homeowners 62+ who live here as their primary residence sometimes look at a HECM to stay in place, retire a monthly principal-and-interest payment, or keep equity available for later. You remain the homeowner. Taxes, insurance, and maintenance do not go away.
Angie explains the process slowly. She will not tell you that you are approved from a website form.
A house you do not occupy, a property you plan to sell shortly, or a situation where taxes and insurance are already unmanageable is not a HECM fit. Independent HUD counseling is required before an FHA reverse mortgage.
Required by federal law
Before an FHA HECM, Mary Esther 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.