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Michael Scapin
Branch Manager / Loan Originator
3204 S Highway 95A
Cantonment, FL 32533
Cell:(850) 304-6202
Direct:(850) 477-5300
Fax:(888) 427-8567
Email: mscapin@primeres.com
NMLS #: 99035


  • Graduated from the University of Florida with an MBA
  • Graduated from the University of West Florida with a BS in Finance


  • I've worked in the mortgage industry for the last 20 years
  • 11 of those years have been with Primary Residential Mortgage
  • Previously I worked in the banking industry for 10 years
  • Member of Pensacola Association of Realtors

I joined Primary Residential Mortgage because I saw a wonderful opportunity to co-manage a branch of a National Mortgage lender who has a wonderful track record of customer service, has in-house underwriting and funding, is completely debt-free, operates in 49 states, and has a strong Local presence in the market.

My customer service is second to none. I pride myself in always being available for my clients and realtors; you can reach me anytime including nights, weekends, and holidays on my cell phone at 850-304-6202. I do quick pre-qualifications by phone as well. I specialize in first time home buyer loans, FHA, VA, USDA (Rural Housing), and Conventional loans.

I do quick pre-qualifications by phone or even easier on your smartphone by clicking the Apply Now image below


This approval is not a commitment to lend and is subject to identification of a suitable property and completion of a fully executed purchase contract, a written rate lock agreement, verification of all information provided in the loan application by the borrower(s), satisfaction of all automated and underwriter conditions, a satisfactory appraisal of the subject property, a satisfactory title commitment free of encumbrances, and a final underwriting approval and execution of all documents required by the lender. These requirements may not be all inclusive. Additional information may be required from you. Changes to the current market rate will affect the loan amount for which you may qualify. Interest rates and program terms are subject to change without notice.


Primary Residential Mortgage, Inc.
3204 S. Highway 95A, Cantonment, FL  32533
Office:  (850) 477-5300
Fax:  (888) 427-8567
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