Florida Panhandle · Pensacola

Reverse mortgage help in Pensacola, Florida

Angie Scott talks with Pensacola homeowners 62+ about a reverse mortgage when the house is their primary residence — historic neighborhoods, the Navy community, and year-round Perdido homes.

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

Call 850-974-7854 Send a message

Escambia County, Navy town, historic streets

Pensacola is Escambia County’s city: downtown and historic neighborhoods, a long Navy presence, and the Perdido area toward the Alabama line. The questions are as varied as the streets — East Hill is not Perdido Key.

Angie grew up in the Fort Walton Beach area and has lived on this stretch of the Florida Panhandle her whole life. Pensacola is the western end of the same coastal stretch she has always lived on.

Call 850-974-7854 or send a short note. Adult children are welcome.

When a reverse mortgage can help in Pensacola

If you are 62 or older and the house is your primary residence — whether that is an in-town historic street, a Navy-adjacent neighborhood, or a year-round Perdido home — a HECM may be one way to use equity without selling. You remain the homeowner. You must still live there, pay taxes and insurance, and maintain the property.

Some families use it to stay put. Some look at HECM for Purchase if they are buying a different primary residence. Neither is promised, and both require counseling and underwriting.

Perdido vacation homes and second residences

A Perdido-area place you visit, a downtown rental, or any house that is not your primary residence does not qualify. If you cannot keep taxes and insurance current, a reverse mortgage will not fix that. HUD counseling is required and independent. This page is not a commitment to lend.

Required by federal law

HUD counseling comes first

Before an FHA HECM, Pensacola 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 Pensacola?

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.

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