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Now Lending in Destin

Destin home loans —
the Emerald Coast jewel.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Destin and Okaloosa County. From gulf-front condos along the Emerald Coast to gated homes in Kelly Plantation, we bring local guidance to the world's luckiest fishing village — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
Emerald Coast
Okaloosa County Coverage
14 days*
Close In As Little As
$832,750
2026 Okaloosa County Conforming Limit
5.0 ★
Google Review Rating
Destin Markets

Local lending across
every Destin neighborhood.

Destin Neighborhoods

Sugar-white beaches, harbor-front living, and gated golf communities.

  • Destin Harbor & the Crab Trap area
  • Kelly Plantation & Regatta Bay
  • Crystal Beach & Holiday Isle
  • Miramar Beach & Sandestin area
Beach & Second-Home Market

A premier Emerald Coast vacation and second-home destination.

  • Beach & condo financing
  • Second homes & seasonal residences
  • Okaloosa County coverage
  • Minutes to VPS & the beaches
Every Kind of Destin Buyer

From move-up homes to luxury, second-home, and investor purchases.

  • Move-up & relocation buyers
  • Jumbo financing for beachfront luxury
  • Second homes & seasonal residences
  • Investment & rental properties (DSCR)
Destin HarborKelly PlantationCrystal BeachHoliday IsleRegatta BayMiramar BeachIndian BayouEmerald ShoresSandestin
Loan Programs in Destin

Financing for every
kind of Destin buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time Destin homebuyers.

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VA Loans

0% down for Destin's veterans and active-duty service members. No monthly mortgage insurance.

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Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

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Jumbo Loans

High-balance financing for Destin's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your Destin investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for Destin's self-employed borrowers.

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FAQ

Destin mortgage
questions answered.

We serve homebuyers and homeowners throughout Destin and Okaloosa County, including Destin Harbor, Kelly Plantation, Crystal Beach, Holiday Isle, and the Miramar Beach area, plus the wider Emerald Coast.
The 2026 conforming loan limit is $832,750 in Okaloosa County, including Destin. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's beachfront and higher-priced homes.
Destin borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your Destin home journey?

Get pre-approved today — no cost, no obligation. Destin borrowers, let's get you to the closing table.

Start My Application Call (561) 299-5825