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21 Miracle Strip Pkwy SE Fort Walton Beach, FL 32548 Mobile (850) 543-2126 Tel (850) 266-7292 [email protected]
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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
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- Purchase
- Refinance
Jason Wilbur
- Branch Manager/Loan Officer
- Fort Walton Beach, FL Mortgage Loan Officer
- NMLS #676414
I’ll be with you every step of the way
I am a Florida native and I have been helping people with their finances through lending for twenty years. I pride myself on my knowledge and my ability to communicate to my customers. Buying a home is one of the biggest decisions people make and I enjoy helping people through the process. I have been married to my wife for nineteen years and we have three children. Family is our number one priority and we spend a lot of time on baseball fields and volleyball courts. We love to travel and we always try to take the scenic route to find the hole in the wall or local place that makes places unique. I believe that hard work pays off and asking other for help is a strength not a weakness. I think that how you treat strangers says more about your character than what you do for friends. I have tremendous appreciation for those who serve in our military and I look forward to helping them make their home purchases a great experience.
Jason’s testimonials
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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.
Inspiration for your home loan journey
Frequently asked questions
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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.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.