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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
- saturday: 8:00AM – 5:00PM
- sunday: 8:00AM – 5:00PM
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Your Local CrossCountry Mortgage Loan Officer
AJ DiCarlo
- Branch Manager
- Fort Walton Beach, FL Mortgage Loan Officer
- NMLS # 2488670
I’ll be with you every step of the way
Hello! My name is AJ. As a 21-year U.S. Air Force Veteran with a background in Air Traffic Control and Special Operations, demonstrating leadership and precision in high-stakes environments is what I’m built for. I bring that same commitment to excellence and service to the mortgage industry, helping individuals and families navigate home financing with confidence.
I became a loan officer because of my undying desire to serve. The joy of assisting first-time homebuyers in living out their dream of purchasing their first home, aiding real estate investors in expanding their real estate portfolio and helping existing homeowners with a refinance to ease some of the burden their current monthly payments may bring them is what keeps me going.
Whether guiding first-time buyers, supporting investors in growing their real estate portfolios or assisting homeowners in refinancing, I’m dedicated to providing personalized mortgage solutions with America’s #1 Retail Mortgage Lender.
Guides and resources
How much will your mortgage payment be?
Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.
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.
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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.