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.
Explore loan programs in Destin
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 an independent mortgage broker licensed in Colorado and Florida, helping buyers across Florida Panhandle — including Destin — find the right loan program at a competitive rate. As a broker we shop conventional, FHA, VA, USDA, jumbo, and DSCR lenders to match each borrower with the best fit.
What clients say about working with us near Destin
All 198+ reviews →"Incredibly organized and punctual with documents. Communication was great and overall service was as professional as could be! Would love to work with TJ in the future!"
"TJ and his team are amazing! From the beginning of our home hunting journey, TJ was incredibly reliable, responsive, and approachable. We simply could not have purchased our first home without his wealth of knowledge!"
Get your Destin loan options
See what you qualify for — fast, free, no obligation.