Cynthia Smith
"the easiest way home"
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Cynthia Smith

Mortgage Loan Originator

Homestar’s Destin Branch covers the Emerald Gulf Coast of Florida, along with Alabama and Georgia. We are conveniently located on Hwy 98 across from the beautiful Destin Harbor. We can also assist you through our web-based services for those who prefer to use secure technology.

Our team is here to serve you and/or your client’s home lending needs, such as:

  • First-time homebuyers
  • VA purchase or refinance
  • FHA regular 203b purchase, streamline refinance, or renovation/rehabilitation program
  • Conventional purchases are available with as little as 3% down payment. Conventional refinances for cash out or lower term, payment, rate, or MI
  • USDA eligible properties do not require a down payment
  • Jumbo up to $3 million for primary, second homes, and investor properties
  • Self-employed borrowers may use our non-conforming products if they prefer providing bank statements verses tax returns to calculate income
  • Investor’s love our rental income loan that the property income is used to qualify
  • Instant pre-qualifications or same day pre-approvals with income and asset verifications

Homestar’s purpose is to maintain a strong reputation as a mortgage company offering outstanding customer service, exceptional community relationships, and the highest level of integrity. We strive as a company to meet the needs and wants of our customers ensuring their arrival at “the easiest way home.”

We look forward to serving you soon! Please feel free to contact us about any programs or with questions or scenarios you would like to discuss.

  • Address:
    725 Harbor Blvd.
    Suite 13 South
    Destin, FL 32541
  • Office: 850-424-3444
  • Fax: 800-886-1288
  • Mobile: 850-687-4437
  • Email: [javascript protected email address]
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  • NMLS #201707 Branch NMLS #1066475 Georgia Residential Mortgage Licensee #65459 Branch #28486 MLO AL #68037 FL #LO45543