Florida Panhandle · Quincy

Reverse mortgage help in Quincy, Florida

A reverse mortgage in Quincy is for homeowners 62+ who live in the house as their primary residence. Angie Scott is Panhandle-based and takes that Gadsden County call the same way she takes a Fort Walton Beach one.

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

Call 850-974-7854 Send a message

Gadsden County seat, west of the capital

Quincy is the Gadsden County seat, a short drive west of Tallahassee on U.S. 90, with I-10 just south of town. It is a smaller, historic downtown and a county that is still more farm-and-family than vacation calendar. The people who ask about staying in the house are usually long-time owners, not seasonal visitors.

Angie grew up in the Fort Walton Beach area and has lived on this stretch of the Florida Panhandle her whole life. Quincy is inland from her hometown, and she still takes the call on her own cell.

Call 850-974-7854 or send a note.

When a reverse mortgage can help in Quincy

If you are 62 or older and this Quincy house is your primary residence, a HECM may let you use part of your equity without selling. Some Gadsden County homeowners look at it to drop a monthly principal-and-interest payment or keep a line of credit for later. You stay on title while you meet the loan terms.

There is no promised cash amount on this page. Eligibility depends on the home, your age, a financial assessment, counseling, and program rules.

When it may not be a fit

If you plan to leave Quincy soon, if the property is not your primary residence, or if you cannot keep taxes and insurance current, skip the HECM. Land, a rental, or a house sitting empty is the wrong file. Angie would rather say that on a 15-minute call than let a website oversell it.

HUD counseling is required and independent if you proceed. This is not a government grant.

Required by federal law

HUD counseling comes first

Before an FHA HECM, Quincy 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 Quincy?

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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