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Now Lending in Pensacola

Pensacola home loans —
the Emerald Coast.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Pensacola and Escambia County. From historic homes in East Hill to beach condos on Perdido Key, we bring local guidance to the western Emerald Coast — 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
Escambia County Coverage
14 days*
Close In As Little As
$832,750
2026 Escambia County Conforming Limit
5.0 ★
Google Review Rating
Pensacola Markets

Local lending across
every Pensacola neighborhood.

Pensacola Neighborhoods

Historic downtown districts, beach communities, and growing northern suburbs.

  • Downtown & North Hill
  • East Hill & Aragon
  • Perdido Key & the beaches
  • Cordova & Scenic Heights
Navy Town, Beach Town

A military and Gulf-beach community on Florida's western edge.

  • VA loans for the NAS Pensacola community
  • Beach & condo financing
  • Escambia County coverage
  • Minutes to PNS & the beaches
Every Kind of Pensacola Buyer

From first homes to move-up, beach, and investor purchases.

  • First-time & move-up buyers
  • VA & FHA financing
  • New construction & townhomes
  • Investment & rental properties (DSCR)
East HillNorth HillDowntownPerdido KeyAragonCordovaScenic HeightsGulf BreezePensacola Beach
Loan Programs in Pensacola

Financing for every
kind of Pensacola buyer.

FHA Loans

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

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VA Loans

0% down for Pensacola'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 Pensacola's luxury and higher-priced markets above conforming limits.

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DSCR Loans

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

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Non-QM Loans

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

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FAQ

Pensacola mortgage
questions answered.

We serve homebuyers and homeowners throughout Pensacola and Escambia County, including downtown, East Hill, North Hill, Perdido Key, and Cordova, plus the surrounding western Panhandle communities.
The 2026 conforming loan limit is $832,750 in Escambia County, including Pensacola. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Pensacola 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 Pensacola home journey?

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

Start My Application Call (561) 299-5825