Santa Rosa County was created in 1842. It was named after Santa Rosa Island, Florida. Santa Rosa County can be divided into three distinct sections: South Santa Rosa, Central Santa Rosa, and North Santa Rosa. The sections are centered on the main east/west roads that pass through the county.
South Santa Rosa County comprises the area from Holley and Navarre in the east to Gulf Breeze at the western end of the Gulf Breeze Peninsula (Fairpoint Peninsula), and along U.S. Highway 98. A section of Santa Rosa Island, containing the unincorporated community of Navarre Beach, is also part of South Santa Rosa County. Major bodies of water including Santa Rosa Sound, Pensacola Bay and East Bay strongly influence the housing and life style of citizens in the southern part of the county. This fast-growing region serves primarily as “bedroom communities” for Pensacola to the west and Hurlburt Field, Fort Walton Beach, and Eglin Air Force Base to the east. Central Santa Rosa County is the area north of the bays and south of the extensive forests separating it from North Santa Rosa.
Florida is known by the sunshine state for a reason. With so many home buyers coming to live in FL, finding affordable Florida mortgage funding is going to be required for those looking to get a loan on a home in Santa Rosa county. With so many loan options available out there, the process of analyzing them can be tedious.
As a Santa Rosa County resident, you can rest confident that Five Stars Mortgage will extend you the best loan solution for your individual situation. Your options include all types of mortgages from our Florida mortgage programs list. Five Stars Mortgage has many mortgage options for Santa Rosa County at our disposal. 100% first time home buyer, USDA, FHA, VA, Jumbo and Conventional home loans. In addition, there are many locations that qualify for the 100% USDA Rural Development housing loan which is a 100% financing home loan mortgage available throughout Santa Rosa County.
Rate are very low, check into changing your current Santa Rosa County Florida loan with a cash out refinance. If you currently have a loan, you can lower your home loan payment, pull out cash, or consolidate higher cost debt with a Santa Rosa County refinance. Refinancing into a lower payment will decrease your monthly payment. You can also cash out, as long as you have enough equity in the home.
The central section developed along “The Old Spanish Trail” that ran from St. Augustine on the Atlantic Ocean all the way to New Orleans, and further points west. Today, U.S. Highway 90 closely parallels the old trail. The county seat, Milton is located where the trail crossed the Blackwater River. To the west of Milton, the fast growing community of Pace have turned the west central part of the county into one large “bedroom community” for people who work in the industries here and in Escambia County, to the west. Interstate 10 also passes through this section of the county. Northern Santa Rosa County is forest and farming country.
The only town in the north is Jay. Most development has been along I-4 which runs through the northern sections of Escambia, Santa Rosa, and Okaloosa counties. A large oil and natural gas field around Jay produced a great deal of oil, and made many farmers millionaires in the 1970s and 1980s, but the field has been depleted and is producing little oil today. The citizens have, for the most part, returned to farming and forestry for their livelihoods.
State Road 87 traverses the county from north to south, between US Highway 98 and the border with Escambia County, Alabama near Brewton, where it connects with State Route 41. This road is a primary emergency evacuation route for the county during hurricanes.
Obtaining a mortgage in Santa Rosa County is very simple. There are many areas that qualify for the USDA rural housing loan which is a 100% financed mortgage available in Santa Rosa.
The cities in Santa Rosa County include: Gulf Breeze, Jay Milton, Bagdad, Navarre, Navarre Beach, and Pace.
Five Stars Mortgage is Florida’s primary source for all FHA, USDA, VA, Reverse and Conventional home loans. Serving all of Santa Rosa County 7 days a week, including Avalon Beach, Bagdad, Gulf Breeze, Jay, Milton, Munson, Navarre, Pace 2026