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  • 34990 Emerald Coast Pkwy, Suite 300 Destin, FL 32541 Mobile (470) 381-7288 Caroline.GarciaOronoz@ccm.com
Your Local CrossCountry Mortgage Loan Officer

Caroline Garcia Oronoz

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  • Team Lead
  • Destin, FL Mortgage Loan Officer
  • NMLS #2137864
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I’ll be with you every step of the way

I’m Caroline, a dedicated mortgage professional based in Miami, FL, with over 5 years of home financing experience. My passion is the power of real estate to build wealth. I’m committed to improving my clients’ financial futures, regardless of their starting point. Whether you’re a first-time homebuyer or a long-time investor, I’m the right partner to guide you through every step of the mortgage process.

My business is built on understanding, clear communication and transparency. From pre-approval to closing and beyond, I’ll make sure you know what’s happening with your mortgage and answer your questions along the way. I look forward to providing you outstanding customer service and a personalized home financing experience.

With deep ties to Puerto Rico, I’m a strong advocate for increasing homeownership in minority communities, especially focused on empowering underrepresented groups.

Outside of work, I have three boys at home – my husband, my son, and my lovable fur baby, Rico.

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

A family plays together peacefully knowing they found the best option to help them reach financial wellness.
Hispanic mother and her two children preparing a meal in the kitchen.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

Contact me

Pase de presentar una solicitud a ser propietario de una vivienda, todo en español

Su idioma. Su proceso. 

Me complace ofrecer herramientas para brindar a los compradores de vivienda de habla hispana un proceso más fácil y personal: 

  • La solicitud de hipoteca de CCM en español le permite dar el primer paso hacia ser propietario de una vivienda en su idioma preferido. 
  • Nuestra herramienta de recursos lingüísticos está disponible después de presentar la solicitud junto con materiales educativos en español y documentos de cierre que lo guiarán a su vivienda. 

No obstante, las herramientas no son nada sin una conexión personal. Hablo español y quisiera brindar orientación especializada y ofrecer mi tiempo para responder sus preguntas en cada paso de su proceso para convertirse en propietario de una vivienda. 

Comuníquese conmigo

Inspiration for your home loan journey

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Frequently asked questions

  • Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.

    Learn more

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