The Destin mortgage market
Destin is a top Emerald Coast vacation market — beachfront second homes and STR investments dominate.
STR-friendly zoning and tourism demand make Destin a top DSCR investor market.
Top loan programs in Destin
- Jumbo — commonly used by Destin buyers in this market.
- Second Home — commonly used by Destin buyers in this market.
- DSCR — commonly used by Destin buyers in this market.
How to qualify for a mortgage in Destin
Qualifying for a mortgage in Destin follows the same core process as anywhere in Florida: lenders review your credit score, debt-to-income ratio, down payment, and income documentation. The right loan program depends on the property type, your goals, and how the home will be used.
- Primary residences: conventional, FHA, VA, or USDA depending on credit and down payment.
- Second homes: typically conventional or jumbo with 10–20% down.
- Investment properties: conventional investor loans (20–25% down) or DSCR loans based on rental income.
Get pre-approved for a Destin mortgage
Tayton Capital is a mortgage brokerage licensed in Colorado and Florida, helping buyers across Florida Panhandle — including Destin — find the right loan program at a competitive rate. We work with conventional, FHA, VA, USDA, jumbo, and DSCR lenders to match each borrower with the best fit.
Get your Destin loan options
See what you qualify for — fast, free, no obligation.