01 · Okaloosa
Destin
Sugar-white sand, world-class waterfront, and Florida's Emerald Coast marquee buy.
Florida's Emerald Coast · Florida Panhandle Realtor · Nationwide Mortgage
One trusted advisor for the home and the loan.
I'm J.J. Botelho — a top-producing Realtor with Coastal Realty Services serving Okaloosa, Walton & Santa Rosa Counties, and an experienced Mortgage Advisor with Edge Home Finance. My team is licensed to lend in all 50 U.S. states, including Puerto Rico, and has the ability to work with clients in 20 different languages. From your first showing on Florida's Emerald Coast to closing on an investment property anywhere in the U.S., it's one steady set of hands.
A promise
The last real estate professional
you will ever need.
My family is my why —
Helping your family is my purpose.
About J.J.
Two licenses.
One signature.
Born & raised · Fort Walton Beach
Born and raised in Fort Walton Beach, Florida, Florida's Emerald Coast isn't a market I work — it's home. I've spent my career helping families buy, sell, and finance homes across Okaloosa, Walton, and Santa Rosa Counties — from the sugar-white beaches of Destin to the bayous of Niceville to the 30A communities in Walton. On the mortgage side, I'm licensed to lend in all 50 U.S. states, which means I can finance your second home, vacation rental, or investment property anywhere in the country. Most clients work with two strangers — a Realtor and a mortgage officer — who barely speak. I am both. One signature, one number to call.
- Realtor
Coastal Realty ServicesListing, buying, and investment strategy across Okaloosa, Walton & Santa Rosa Counties.
FL Real Estate License #3615190
- Mortgage Advisor
Edge Home FinanceConventional, FHA, VA, jumbo + Non-QM specialist (DSCR, Bank Statement, HELOC). Licensed in all 50 states.
NMLS #1880512
Free Relocation Guide
Thinking about
moving to Florida?
A hyperlocal comparison of six premier Florida Panhandle communities on Florida's Emerald Coast — real prices, real schools, real insider tips. Engineered to help you make a confident, data-backed move.
- Six premier Florida Panhandle cities, side-by-side
- Current price trends + what your dollar buys
- School ratings, commutes, and lifestyle fit
- Insider tips you won't find on Zillow
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Local · Florida Panhandle
Florida's Emerald Coast,
in detail.
Okaloosa · Walton · Santa Rosa Counties
Each community on Florida's Emerald Coast — the heart of the Florida Panhandle — has its own rhythm. Here's how I help clients match the right neighborhood to the right life, and the right financing.
02 · Okaloosa
Fort Walton Beach
A coastal town with deep roots — family-friendly, value-rich, walkable. My hometown.
03 · Okaloosa
Niceville
Quiet waterfront living on Boggy Bayou — top schools and steady appreciation.
04 · Okaloosa
Crestview
Growing inland community with great value, new builds, and easy commutes.
05 · Santa Rosa
Navarre
Home of Florida's longest fishing pier and some of the most uncrowded sand on the Gulf.
06 · Walton
30A
Seaside, WaterColor, Rosemary Beach — designer beach towns along scenic Highway 30A.
07 · Walton
Freeport
One of Florida's fastest-growing cities — Hammock Bay, new construction, bay access.
08 · Walton
DeFuniak Springs
Historic Walton County seat — Victorian district circling spring-fed Lake DeFuniak.
Walton County · Also serving
Seaside · WaterColor · Rosemary Beach · Alys Beach · Inlet Beach · Grayton Beach · Santa Rosa Beach · Miramar Beach · Point Washington
Santa Rosa County · Also serving
Navarre Beach · Gulf Breeze · Milton · Pace · Bagdad · Holley · Midway
Mortgage clients
All 50 States
Buying a second home, vacation rental, or investment property anywhere in the U.S.? Edge Home Finance is licensed nationwide.
Services
Two sides of your
home journey.
Most buyers juggle a Realtor and a separate lender. With me, the strategy is unified — pricing, financing, and timing all move together.
The Search
Coastal Realty Services
Real Estate
Find the right home across Okaloosa, Walton & Santa Rosa Counties — Destin, 30A, Fort Walton Beach, Niceville, Crestview and everywhere in between. Listing, buying, investment, fully represented.
OkaloosaWaltonSanta Rosa
View My Active Listings
The Strategy
Edge Home Finance
Mortgage
Licensed in all 50 U.S. states + Puerto Rico, with a team that serves clients in 20 different languages. From everyday FHA/VA/Conventional to specialty Non-QM products — DSCR, Bank Statement Loans, HELOCs and beyond. Many lenders. One broker. The right loan.
ConventionalFHAVAJumboDSCRBank StatementHELOCNon-QM
Apply for a MortgageWhy Work With J.J.
Quiet expertise.
Loud results.
You deserve an advisor who knows the streets, the lenders, and the difference one timely decision can make.
Hyper-Local Knowledge
Schools, flood zones, HOA quirks, micro-markets — Okaloosa, Walton & Santa Rosa are my home court.
Dual-Licensed
Licensed Realtor and Mortgage Loan Originator — one accountable advisor.
Nationwide + Puerto Rico
My team is licensed to lend across all 50 U.S. states and Puerto Rico — wherever your next property is.
20 Languages
A multilingual team that can serve clients comfortably in 20 different languages.
Non-QM Specialist
DSCR, Bank Statement, HELOC, Jumbo — financing for clients banks turn away.
Responsive & Real
Calls answered. Texts returned. Updates on time. No black boxes.
Reviews from Google
In their own
words.
5.0
10 verified Google reviews
“I have great credit and plenty of assets/money down. BUT my tax return showed a big old loss. Because of this my usual bank and a number of other banks wouldn't help me on a mortgage loan. JJ not only was able to get creative in order to get my approval, but was able to get me to my closing start to finish in under 3 weeks. He is THE guy.”
TE
Tony Esposito
Local Guide5 weeks ago·Google
“JJ is hands down the best real estate professional we've ever worked with and will continue to work with him in the future. He answered any questions we had and made the home buying process a breeze. We didn't make it easy for him (we are VERY picky) but he sure made it easy for us. We definitely recommend working with JJ.”
PO
Pete O
Local Guide6 weeks ago·Google
“I've used JJ for refinance, home selling, mortgage, and buying. There is no one I trust more to handle some of the biggest decisions of my life. Highly recommend.”
AF
A Fair
6 weeks ago·Google
“My husband and I recently bought a house with the exceptional help of JJ! He worked tirelessly to get us the best deal we could find. He was always sure to explain everything in ways we could understand and happily answered any questions we had throughout the process. My husband and I really enjoyed having JJ by our side! Thank you for everything, JJ.”
EM
Evelynn M
Local Guide17 weeks ago·Google
“JJ and his team was incredibly helpful and kind. Couldn't have asked for a better customer service experience! 20/10 experience.”
CM
Cole Maxwell
Local Guide17 weeks ago·Google
“Great experience! 10/10 recommend for all your loan and real estate needs!”
WA
Whitley Abney
33 weeks ago·Google
Get in touch
Let's talk
about your move.
Whether you're a few months out or ready to write an offer this weekend — I'd love to hear what you're working on.
- Phone850.797.2673
- Real Estatejjb@coastalrealtyservices.com
- Mortgagejj.botelho@edgehomefinance.com
- Service AreaOkaloosa, Walton & Santa Rosa Counties · Mortgage in all 50 states