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Directory of fha loan specialists in Destin, Florida. Verify credentials with the state mortgage licensing authority before hiring.
16 agents listed
Updated May 2026
Destin, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Florida before hiring.
Showing 16 fha loan specialists in Destin, FL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
HomeFi Digital Mortgage
4008 Legendary Dr #300A, Destin, FL 32541
8504247277
PrimeLending, A PlainsCapital Company - Emerald Coast
864 US-98 E Suite A-7, Destin, FL 32541
8508377360
Anastasia Shellhouse
4300 Legendary Dr, Destin, FL 32541
8132557982
Sean Frith at CrossCountry Mortgage
34990 Emerald Coast Pkwy #300, Destin, FL 32541
8777731226
Wendy Kotowske Seagle- Mortgage Loan Officer
36164 Emerald Coast Pkwy, Destin, FL 32541
8504991336
Andy Vogel, Mortgage Lender
4008 Legendary Dr Suite 300, Destin, FL 32541
3022429966
Noah Donatelli - Mortgage Loan Officer
36164 Emerald Coast Pkwy, Destin, FL 32541
8508220252
Tammy Frith at CrossCountry Mortgage
34990 Emerald Coast Pkwy #300, Destin, FL 32541
8777731226
Thom Arena HomeFI Mortgage
4008 Legendary Dr office 300g, Destin, FL 32541
8508658466
Bryan Crumpler, HomeFi Digital Mortgage
4008 Legendary Dr Suite 300, Destin, FL 32541
2544329751
Lending The Coast - HomeFi Digital Mortgage
4008 Legendary Dr Suite 300, Destin, FL 32541
8502184616
Erin Buck
4008 Legendary Dr Suite 300, Destin, FL 32541
8509742480
Destin Mortgage | Fidelity Home Group
34990 Emerald Coast Pkwy suite 330, Destin, FL 32541
8508062375
Joshua Lowey
4008 Legendary Dr Suite 300, Destin, FL 32541
8502180980
Dawn Wimer
4008 Legendary Dr Suite 300, Destin, FL 32541
6789236886
Maricel Quiroz
543 Harbor Blvd STE 303, Destin, FL 32541
8186208700
An FHA loan specialist in Destin, Florida helps homebuyers secure government-backed mortgages with lower down payments and flexible credit standards. Florida law requires all mortgage loan originators to be licensed through the Florida Office of Financial Regulation. Destin buyers often use FHA loans for condos and single-family homes near the Emerald Coast.
What Does a FHA Loan Specialist in Destin Cost?
Typical costs for an FHA loan in Florida include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus an annual MIP of 0.55 to 0.85 percent. Closing costs in Destin range from 2 to 5 percent of the purchase price. Appraisal fees usually cost $500 to $700. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What credit score is needed for an FHA loan in Destin?
The minimum FHA credit score is 580 for a 3.5 percent down payment. Scores between 500 and 579 may qualify with a 10 percent down payment. Each lender may set higher requirements.
Are FHA loans available for condos in Destin?
Yes, but the condo complex must be on the FHA approved list. Many Destin condo associations are not approved, so your specialist will check the HUD database first.
What is the FHA loan limit for Destin Florida?
For 2025, the FHA loan limit for a single-family home in Okaloosa County is $498,257. Higher limits apply for duplexes, triplexes, and fourplexes.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Florida.