Florida Panhandle · Panama City

Reverse mortgage help in Panama City, Florida

Angie Scott talks with Panama City homeowners 62+ about a reverse mortgage when the house is their primary residence — St. Andrews, in-town neighborhoods, and long-time owners who want to stay.

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

Call 850-974-7854 Send a message

A Bay County conversation, not a script

Panama City sits on St. Andrews Bay, a working waterfront city where a lot of people have owned the same house for decades. If you are 62 or older and this is your primary residence, a reverse mortgage (HECM) is one way some homeowners look at equity without selling.

Angie grew up in the Fort Walton Beach area and has lived on this stretch of the Florida Panhandle her whole life. When she talks with Panama City families, it is usually about the house they already live in — not a vacation listing.

You can call her cell, 850-974-7854, or send a short note. Family is welcome on the first call.

When a reverse mortgage can help here

In Panama City, the people who ask about a HECM are often long-time owners who want to stay put. Some families rebuilt and stayed. Others simply want to drop a monthly principal-and-interest payment, set aside a line of credit, or keep more cash available for care or repairs — while remaining the homeowner.

A HECM is for homeowners 62+ who live in the home as their primary residence, can keep up with taxes, insurance, and upkeep, and complete independent HUD counseling. How much equity you may access depends on age, rates, the home, and program rules. Angie will not promise a dollar amount or an approval on a website.

When it may not be a fit

A reverse mortgage is not for a rental, a flip, or a house you do not live in. If you plan to move soon, or you cannot keep taxes and insurance current even with the loan, it is usually the wrong tool. Angie will say so.

This is also not a government grant and not a guarantee of cash. Every loan is subject to eligibility, property review, financial assessment, counseling, and available equity.

Required by federal law

HUD counseling comes first

Before an FHA HECM, Panama City 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 Panama City?

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.

Lynn Haven Panama City Beach Chipley All areas →