Mortgage One is a local company owned by First National Bank & Trust.  Established in 1956, FNB&T currently operates in Okaloosa, Santa Rosa, Bay, and Walton counties.  At Mortgage One we originate, process, and approve your loans locally...we even prepare all of our closing documents at our Fort Walton Beach office and electronically send them to your closing agent.  What does this mean for you?  Faster approvals and closings. No waiting until the last minute to find out if you have financing secured - know how much you need to bring to closing.  No waiting on those closing documents from an out-of-state lender.  At Mortgage One, we do loans the right way, RIGHT AWAY!