Florida Panhandle · Santa Rosa Beach

Reverse mortgage help in Santa Rosa Beach, Florida

Angie Scott talks with Santa Rosa Beach homeowners 62+ about a reverse mortgage only when the house is their primary residence — 30A and Miramar Beach streets where many places are second homes.

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

Call 850-974-7854 Send a message

30A, Miramar Beach, and year-round residents

This page covers Santa Rosa Beach, Miramar Beach, and the 30A corridor in Walton County. The coast here is famous for dune lakes, pedestrian-friendly towns, and houses that sit empty much of the year.

Angie grew up in the Fort Walton Beach area and has lived on this stretch of the Florida Panhandle her whole life. She will ask, plainly, whether you live in the home as your primary residence. If the honest answer is “we come down for the season,” a reverse mortgage is not the product.

Call 850-974-7854 or send a message.

When a reverse mortgage can help on this coast

If you are 62 or older and this is the home you occupy year-round, a HECM may be one way to use part of your equity without selling and without a required monthly principal-and-interest payment. You stay on title while you meet the terms. Taxes, insurance, and maintenance remain your responsibility.

Some year-round owners look at it after they have already chosen to stay — not as a way to finance a vacation house. Eligibility, property type, and counseling still apply. No website can promise cash or approval.

Second homes along 30A do not qualify

Many homes in Santa Rosa Beach, Miramar Beach, and along 30A are second homes. Those properties do not qualify for a HECM. Short-term rentals, investment condos, and houses you visit are not primary residences.

If you are researching for a parent who truly lives here, you are welcome on the call. HUD counseling is still independent and required.

Required by federal law

HUD counseling comes first

Before an FHA HECM, Santa Rosa Beach 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 Santa Rosa Beach?

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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