Brandi Ealy - Mortgage Lender, NMLS# 1370526

04/01/2026

Third closing this week was with the sweetest family! They are so thoughtful in all they do, and I cannot wait to welcome them to Niceville soon!

02/05/2026

🌴 Florida is home to me, but helping people buy homes doesn’t stop at state lines. One of the best parts of what I do is helping people land “home”, no matter where that is.

Whether you’re relocating with the military, moving back to where you grew up, starting new adventures, or if your circle stretches beyond Florida, I’ve got you covered! I can lend in these 12 states.

If someone you know needs a knowledgeable lender who actually picks up the phone and answers their texts and emails, send them my way!

01/20/2026

What a wonderful way to start the week! VA closing for these stellar first-time homebuyers who went above and beyond throughout the loan process. They couldn't have made working for them anymore of a pleasure!

As always, thanks to Tracy Jennette, Realtor at Coldwell Banker Residential Real Estate and Bradley Title, LLC for making everything a breeze with your professionalism and fun and caring attitudes!

01/16/2026

📅 Tuesday I get a text from a previous client telling me she's giving my contact information to some family in CA looking to buy a second home in FL.

📃 Tuesday night their online application comes over.

📧 Wednesday borrowers provide income and asset verification and loan prequalification is sent to their realtor.

📅 Thursday @ 7 am contract is received.

🤔 Thursday borrowers deciding on most advantageous loan terms for their situation, advise title will be taken in a trust, and that they will be out of the country on scheduled closing day.

✔️ Thursday afternoon all details are ironed out and we move closing up to less than three weeks to accommodate travel plans.

📅 Friday morning my processor submits the file into underwriting (that was only able to happen so quickly because the borrowers and I worked together to get everything upfront)!

🥳 Friday afternoon we have conditional loan approval with NO additional borrower items needed!

Almost time for 🌞 ⛱️ vacations in your own home!

Client referrals mean so much to me!

01/14/2026

I was able to attend my first in-person closing of 2026 yesterday. 🥳

They were wonderful to work with from start to finish and have great plans to make their first home truly THEIR home. They were meticulous in planning, and their strategy paid off! It's not often that first-time homebuyers are this well prepared.

As always, Holly Way D'Arcy, and Emerald Coast Title Service were wonderful to work alongside with!

If a local, relationship-based lender is what you are looking for, I'm always here to help!

12/11/2025

📣 2026 FHA loan limits for January 1, 2026:

Most counties are $541,287 for one-unit properties.

⚠️ Okaloosa & Walton Counties have remained at $603,750.

❓️Are you looking in a specific area and want to know that county's limit? Send me a message, and I'll gladly get for you.

ℹ️ FHA loans typically have a 3.5% down payment requirement and are less restrictive on credit scores and debt ratios than conventional loans.

11/25/2025

📢 2026 Confirming Loan Limits were announced today.

Effective immediately, I can lend at these limits NOW, more than a month in advance of the new calendar year! 🗓

📱📲417.848.8184 📧 [email protected]

11/13/2025

I'd love your support for the Best Mortgage Lender category! 🗳

www.VIPDestinMagazine.com

Voting can be done once per day per email address.

11/11/2025

10/17/2025

Come see us at our booth today. You can enter to win this amazing fire pit!

09/16/2025

Realtor partners and sellers, I have my new signs in--just in time for rates to drop near 3 year lows!

I would love to partner with you on your listings!

How can I help? 📲417.848.8184