Ashley Botelho

Ashley Botelho is a mortgage professional serving clients throughout Fort Walton Beach, Destin, Niceville, Navarre, Crestview, Santa Rosa Beach, Panama City Beach, and communities across the Emerald Coast and beyond. With nearly 15 years of experience in real estate and mortgage lending, Ashley has built her career on one simple philosophy: people come before transactions.

Throughout her career, Ashley has helped first-time homebuyers, military families, retirees, investors, and relocating clients navigate some of life's biggest financial decisions. Her diverse background in both real estate and mortgage lending gives her a unique perspective that allows her to guide clients with confidence, helping them understand not only the financing side of a transaction, but also the long-term impact it can have on their lifestyle and financial future.

While Ashley enjoys helping clients at every stage of life, her greatest passion is working with those who are approaching or enjoying retirement. Through her "Chasing Sunsets" philosophy, she helps clients create a future they can look forward to — whether that means downsizing to simplify life, purchasing a dream beach home, relocating to the Emerald Coast, refinancing to improve cash flow, or investing in real estate to support long-term financial goals.

Ashley believes retirement planning isn't just about numbers. It's about creating a lifestyle. It's about freedom, flexibility, family, and making the most of the years you've worked so hard to achieve. Her role is to help clients understand their options and make informed mortgage decisions that support those goals.
In addition to serving clients nationwide, Ashley remains deeply connected to the Emerald Coast community she calls home. She is a proud mother to three daughters — Joplin, Greta, and Lily — and is passionate about teaching them the values of integrity, independence, hard work, and service to others.

Ashley has also been featured on television showcasing the people, neighborhoods, businesses, and unique lifestyle that make Northwest Florida such a special place to live. Whether she is helping a family purchase their first home, assisting a retiree with their next chapter, or guiding an investor through financing options, Ashley approaches every client relationship with authenticity, compassion, and a genuine desire to help.

At her core, Ashley believes she is in service, not sales. Her goal is to educate, guide, and empower clients to make decisions that align with both their financial objectives and their personal dreams.

Local Mortgage Expertise

Ashley proudly serves homebuyers and homeowners throughout Fort Walton Beach, Destin, Niceville, Navarre, Crestview, Santa Rosa Beach, Panama City Beach, and surrounding Northwest Florida communities. She works with retirees, military families stationed at Eglin Air Force Base and Hurlburt Field, first-time homebuyers, investors, and those relocating to Florida's Emerald Coast.

Whether you're purchasing a primary residence, second home, vacation property, investment property, or exploring refinancing options, Ashley provides personalized mortgage solutions designed to help you achieve your goals with confidence.

If you're searching for a trusted mortgage lender on the Emerald Coast, Ashley is ready to help you start your next chapter and begin chasing sunsets with confidence.