Top 3 Mortgage Lenders in Santa Rosa Beach

John R. Wood at PrimeLending is one of the most highly-rated mortgage professionals serving the Santa Rosa Beach area, with nearly two decades of experience specializing in Emerald Coast properties. His team consistently receives perfect 5-star reviews for their exceptional communication, local market expertise, and ability to close loans efficiently. As part of PrimeLending, they offer competitive rates and a wide range of loan products specifically tailored for Florida's coastal property market, including jumbo loans for luxury homes common in the 30A corridor.

Chris Caldwell and his team at Fairway Independent Mortgage have built an outstanding reputation serving Santa Rosa Beach and the entire Emerald Coast region. With hundreds of successful local transactions, they specialize in both primary residences and investment properties common to the 30A market. Customers consistently praise their responsive service, thorough guidance through the mortgage process, and expertise with Florida-specific lending requirements. Their local presence in nearby Destin ensures they understand the unique aspects of Santa Rosa Beach real estate.

Mortgage Solutions of Northwest Florida has been serving the entire Northwest Florida region, including Santa Rosa Beach, for nearly two decades. They specialize in complex loan scenarios and construction financing, which is particularly valuable in the developing Santa Rosa Beach market. Their team of experienced loan officers provides personalized service and local underwriting expertise that national lenders can't match. With strong relationships across the Emerald Coast real estate community, they consistently deliver competitive rates and smooth closings for Santa Rosa Beach homebuyers.