Panhandle mortgage broker, Destin, 30A, and Panama City Beach financing.

Walton, Okaloosa, Bay, and Escambia counties all use Florida's standard 2026 baseline conforming limit of $832,750. None of them carry a high-cost designation, unlike Monroe County in the Florida Keys, which sits at $990,150. That said, plenty of Gulf-front Destin and 30A properties price well above $832,750, so jumbo financing is common even on the baseline limit.

Yes. Destin and the 30A corridor run some of the strongest short-term rental numbers in Florida, with peak summer occupancy regularly topping 90%. DSCR loans qualify off the property's projected or trailing Airbnb and VRBO income instead of your tax returns, typically with 20 to 25% down and LLC closing available.

Hurricane Michael made a Category 5 landfall near Mexico Beach in 2018 and devastated Bay County. Hurricane Sally hit the Pensacola and Escambia County area in 2020. Both storms reset wind and flood insurance pricing permanently in their footprints. We pre-quote insurance before structuring any Panhandle loan, because a $20,000 to $40,000 annual premium on a Gulf-front property changes your qualifying DTI fast. Updated wind mitigation reports can also help on older construction.

Yes. The Panhandle has one of the heaviest military footprints in Florida between Eglin Air Force Base, Hurlburt Field, Tyndall Air Force Base, and NAS Pensacola. VA loans offer zero down for eligible veterans and active duty buyers with no conforming loan cap for full entitlement. We work around PCS timelines and VA appraisal turnaround regularly.

No, and it trips up a lot of buyers. Santa Rosa Beach is a community in Walton County along scenic Highway 30A, near Destin. Santa Rosa County is a separate county further west, near Navarre and Milton, closer to Pensacola. We serve both, so if you're not sure which one you're looking at, just tell us the neighborhood or road and we'll sort it out.