Florida Panhandle · Milton
Angie Scott talks with Milton homeowners 62+ about a reverse mortgage when the house is their primary residence — Santa Rosa County and the Blackwater River area, inland from the Gulf.
Angie Scott · Senior Loan Officer · NMLS #387494 · HECM is for homeowners 62+ · Primary residence required
Milton is the Santa Rosa County seat, up the Blackwater River from the bays. It is not a beach-rental town. Most conversations here are about a house someone already occupies.
Angie grew up in the Fort Walton Beach area and has lived on this stretch of the Florida Panhandle her whole life. Milton is inland in the same region — a drive she has made her whole life, not a new market on a flyer.
Call 850-974-7854 or send a message.
If you are 62 or older and this is your primary residence, a HECM may let you use part of your equity without selling and without a required monthly principal-and-interest payment. Some Santa Rosa County owners look at it to stay near family or to simplify a mortgage payment. You stay on title while you meet the terms.
This is not a quote and not an approval. Counseling is required. Property and borrower rules still apply.
If you do not live in the home, plan to move shortly, or cannot keep taxes and insurance current, a reverse mortgage is the wrong tool. Angie will say that. HUD counseling is independent — schedule it when you are ready, not because a website rushed you.
Required by federal law
Before an FHA HECM, Milton 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.