Florida Panhandle · Navarre
Angie Scott talks with Navarre homeowners 62+ about a reverse mortgage when the house is their primary residence — between Pensacola and Fort Walton Beach, including people who live on Navarre Beach year-round.
Angie Scott · Senior Loan Officer · NMLS #387494 · HECM is for homeowners 62+ · Primary residence required
Navarre sits between Pensacola and Fort Walton Beach on U.S. 98. Mainland neighborhoods are one conversation. Navarre Beach — across Santa Rosa Sound — is often another, because more of those houses are used as getaways.
Angie grew up in the Fort Walton Beach area and has lived on this stretch of the Florida Panhandle her whole life. Navarre is on the same coastal stretch she has always lived on.
Call 850-974-7854 or send a message.
If you are 62 or older and the Navarre home is your primary residence, a HECM may be one option for using equity without selling. Some mainland owners look at it to stay put or to ease a monthly mortgage payment. You stay on title while you meet the terms.
Nothing here is a quote, an approval, or a promise of cash. Counseling, property eligibility, and a financial assessment still apply.
A Navarre Beach house you visit, rent, or keep as a second home does not meet the primary-residence rule. If you truly live on the beach year-round, say so — occupancy is a facts question, not a marketing line. HUD counseling is required and independent either way.
Required by federal law
Before an FHA HECM, Navarre 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.