Emerald Coastal

Welcome to Emerald Coastal, located in Panama City Beach.   This website was originally designed for our real estate company Premier Coastal.  We have since reorganized and it now functions as the website for Emerald Coastal Inc., a mortgage brokerage.  Feel free to browse all the listings with no forced sign ups.

My name is Benjamin Alexander and I have been selling real estate since 2003, Starting Premier Coastal Real Estate in 2015 and ending operations in 2020.  I obtained my mortgage license in 2016 NMLS: 1509879 and opened my own mortgage brokerage in 2019 NMLS: 1910800.  My wife Cherie is a partner at Counts Real Estate Group and I still hold an active real estate license there as well.

Why do I feel mortgage brokerage is the best option to finance houses?  I am able to shop the best rates through the wholesale mortgage channel.  A lot of the larger banks offer wholesale mortgage products.  Many times these rates will be lower than their own retail rates.  There are also large wholesale lenders that do not have retail operations.  With a multitude of options the lenders must compete to get the business.

Mortgages offered:

- Conventional

- FHA

- VA

- Portfolio

Not available:

- Vacant Land

- Construction

This site is made up of 4 categories of properties pages: condos, houses, land, and commercial.   These are then sub-categorized  by area, neighborhood, condo complex, style, or use.  Recently sold properties, market reports, floor plans, and pictures are posted about each neighborhood/condo.  

Condos

Luxury | Newer | Older | Low Rise

 We have all of the Condos for sale in Panama City Beach listed by development.  Many of these will have floor plans, recent sales, and all active condos for sale.  Each page will have similar condos listed at the right or bottom of page.  If you would like more info on a properties such as rental histories or condo rules please let us know.

Houses

 Beach | Panama City | Lynn Haven | Tyndall

 Bay County is roughly 1000 square miles and is approx 25% water.  We have homes listed as 4 main areas.  You can search homes for sale in Panama City Beach, Panama City real estate, Lynn Haven houses for sale, or lots for sale in Callaway.  Each of these areas is then broken down to sections and neighborhoods.  

For Example, if you are looking for a house for sale in Panama City Beach.  You can search houses in South Lagoon, Upper Grand Lagoon, East End, and West End.  If you select Upper Grand Lagoon you can then search by Neighborhoods Bay Point, Martinique, Hidden Pines, etc..

You can search all real estate listed on the MLS.

Land

Search all land for sale in the Bay County area. 

Commercial

Our Commercial section is set up to be searched by type: Land, Building, lease, or business.  You can also search by commercial areas of Panama City Beach, Panama City, Lynn Haven, or Callaway.