Emerald Coastal Inc.

Mortgage & Finance

Welcome

At Emerald Coastal our mission is to make home loans fast, easy, at the lowest rates. We are available 7 days a week and always a phone call, text, or email away. As a mortgage brokerage we work with multiple lenders, with a wide variety of mortgage products, tailored to fit your personal objectives.

Conventional
FHA
VA
Portfolio (condos)
Bank Statement
Interest Only

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NO Lender Fees

Our company does not believe in nickle and dime fees that cost the consumer thousands in closing cost. There are enough cost associated with buying or refinancing property already.

No loan origination fee
No processing fee
No Underwriter fee

Closing Cost Credit

$1,500 closing cost credit on loans over $150,000.

You can use the credit for:

Appraisal
Prepaid taxes
Insurance
Mortgage Title Insurance
Mortgage Doc Stamps
Intangible tax on Mortgage
County recording fees

About

Emerald Coastal Inc. is a Florida based Mortgage Brokerage NMLS#1910800 and Real Estate Brokerage CQ1058242. The Broker for both is Benjamin Alexander NMLS#1509879 and BK3440102. Ben originally started as a real estate agent (2003), broker (2010), Loan Originator (2016), and started Emerald Coastal in 2019.

Real Estate Information

Since Emerald Coastal is also licensed as a real estate company, we can provide advice and information. This website is set up with IDX feeds from two associations and covers 7 Counties along the Emerald Coast. This gives you access to all the active listings as well as sold data and reports. We can answer any questions you may have about real estate.

By Location:

Holmes

Newest House Listings

139 Pridgen Drive, Laurel Hill $289,900

LOCATED IN THE NORTH END OF WALTON COUNTY ON A QUITE CUL DE SAC WITH EASY ACCESS TO EVERYTHING - THIS 5 BEDROOM HOME HAS TONS OF OPTIONS TO OFFER IN A HOME. JUST BLOCKS F...

5 Beds
4 Baths
838532 MLS
2,905 SqFt.

1625 Amarillo Trail, Gulf Breeze $265,000

YOU'LL WANT TO SEE THIS ONE! Brand New Earth Cents compliant, ultra efficient home with lots of upgrades and amenities. Features include forever tile shower, garden tub w...

3 Beds
2 Baths
838525 MLS
1,607 SqFt.

3863 Indian Trail Unit #UNIT 101, Destin image

3863 Indian Trail Unit #UNIT 101, Destin $285,000

WHAT AN OPPORTUNITY to own this home in this prime neighborhood. These don't come along very often. Perfect for primary residence, second home or investment property. ...

2 Beds
2 Baths
838524 MLS
1,000 SqFt.

117 Hombre Circle, Panama City Beach image

117 Hombre Circle, Panama City Beach $525,000

This is the it house in The Glades! This home is butts up to a vacant land that cannot be built on. This home has several entrances and exits to the subdivision. With...

3 Beds
2 Baths
692994 MLS
2,469 SqFt.

30 Shelter Cove Drive, Santa Rosa Beach image

30 Shelter Cove Drive, Santa Rosa Beach $276,000

Perfect location UNDER $300K! No HOA! Beautiful 3BR/2BA Florida cottage style home on almost a quarter acre just minutes from 30A sandy white beaches, Sacred Heart hospit...