Mortgage Broker in Okaloosa County, FL

Your Okaloosa County Mortgage Lender — Home Loans, Refinancing & Pre-Approvals

Local expertise. Statewide reach. Every loan program available.

Down Payment Assistance Programs in Okaloosa County

Okaloosa County buyers have access to multiple state-level DPA programs that can be combined for up to $45,000+ in assistance. Okaloosa County also receives SHIP (State Housing Initiatives Partnership) funding which provides additional local assistance — contact me for current availability and amounts.

Statewide Programs Available in Okaloosa County

Hometown Heroes: Up to $35,000 — 0% interest deferred loan, no monthly payments. Available to teachers, nurses, first responders, military, childcare workers, and 50+ eligible professions.
FL Assist: Up to $10,000 — 0% interest deferred second mortgage, no monthly payments while you live in the home.
FL HLP: Up to $10,000 — 3% interest, 15-year repayment (~$69/month).
Salute Our Soldiers: Up to $35,000 — for veterans and active military. Veterans do not need to be first-time buyers.

Okaloosa County SHIP Program

Florida distributes SHIP funding to all 67 counties. Okaloosa County administers its own SHIP program which can provide additional down payment and closing cost assistance. SHIP amounts and availability vary by funding cycle — I track which programs are currently funded and accepting applications.

Okaloosa County DPA Stacking Example

Hometown Heroes: $35,000 (state)
FL Assist: $10,000 (state)
Okaloosa County SHIP: varies (county)
Total potential: $45,000+ depending on SHIP availability

I specialize in finding and stacking every DPA program you qualify for. Contact me to get a personalized breakdown for your situation.

Conforming Loan Limits

The 2026 conforming loan limit for Okaloosa County is $832,750 for a single-family home. Loans up to this amount qualify for conventional financing with competitive rates. Borrowers needing more can explore jumbo loan options.

Cities We Serve in Okaloosa County

We provide mortgage services throughout Okaloosa County including Fort Walton Beach, Destin, Crestview, Niceville, Valparaiso.

Home Loans in Okaloosa County

Looking for a mortgage lender who serves Okaloosa County? 1st Capital Group provides expert mortgage guidance to homebuyers and homeowners across Okaloosa County and all of Florida. Whether you’re purchasing your first home, upgrading, or refinancing, we’ll find the right loan program and maximize your savings.

Loan Programs Available

Conventional Loans — As little as 3% down for qualified buyers
FHA Loans — Low down payment, flexible credit requirements
VA Loans — Zero down payment for eligible veterans and service members
USDA Loans — Zero down payment in eligible rural areas
Foreign National Loans — Financing for non-U.S. citizens
DSCR Loans — Investment property loans based on rental income