Derek picture

Derek Michaloski

Loan Officer

(850) 276-5846
Email Me
1385 West State Road 434 Suite 102

About Derek

Originally from Maryland I have been a PCB local since 2006. I am a local business owner and very familiar with the neighborhoods, condos and trends that comprise a seasonal town. Please use me as a resource of local knowledge before making your next home or investment purchase.

I strive to be "Always Available" and update all parties involved in the transaction daily. Contact me for free rates, program knowledge and advice any time!

Specialties: Down Payment Assistance, Bank Turn Downs, Vacation and Investment Properties, Credit Re-Score, First Time Home Buyers

DOWN PAYMENT ASSISTANCE: If you qualify for FHA or Conventional financing, you can receive a grant for 2%-6% of the loan amount to be used for Down Payment and Closing Costs. Many of my buyers purchase their home with little or nothing out of pocket!

100% FINANCING: VA, USDA - Check your eligibility and I have the better rates in the area!

VACATION/CONDOS/INVESTMENT: Low Down Payment options and a database of condo eligibility allows me to correctly place your loan. I can help you navigate the tricky condo market (warrantable vs non-warrantable) and we can even use rental income to help qualify your payments!

BANK TURN DOWNS: As a lender and a broker we have many options for getting you approved when others could not.

CREDIT ISSUES: I will evaluate your credit and let you know what to do to raise your score IMMEDIATELY. Typical 20-40 points in 10 days or less!

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