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Paul Renfroe

Loan Officer

(850) 544-3408
Email Me
Destin FL
DESTIN, FL 32541

Licensed In:
FL: 184979


Mortgages are just one of my services as owner of Emerald Coast Financial Accounts LLC. My financial perspective and advice to you are born out of my 26 years serving savers in seven states.

People say they appreciate my persistent thoroughness for one thing. In 2003 I helped a man with an extremely challenging mortgage loan. He said, "If I ever need a financial advisor, you're my man." We lost touch but he called me in 2020: "Is the same Paul Renfroe who helped me with a mortgage in 2003?" When he wanted financial guidance and products, he called me--after 17 years. Well, I usually don't have to wait that long!

Sometimes people highlight the assurance they get from my commitment to communicate with integrity. I recognize that getting a mortgage loan, for any purpose, of any type, can be an unsettling experience. The fact is, you have to sign so many disclosures that nobody reads them. So people rely on my experience, my knowledge and my integrity to tell them the truth, hiding nothing. That's very important to me.

My Christian walk is much more important to me than your money. In fact, I am a lot more attentive to Judgment Day than Pay Day! My multiple encounters with death, and with God (and with my wife too!) have made me into a man that people feel comfortable being with and trusting. As a Christian author and ordained minister, I respect your responsibility for your own choices and enjoy helping you make them well.

How does all this pertain to getting the lowest rate? the best loan? With me, you are much less likely to have disappointments or feel abused! You will get the loan we started out with, and the home that delights you.

-- Paul Renfroe, NMLS #184979

cell: 850-544-3408 |  fax: 850-502-8701 


Welcome to my website

Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.

Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.

After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.

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