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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
Your Local CrossCountry Mortgage Loan Officer
Wendy Seagle
- Originating Branch Manager
- Fort Walton Beach, FL Mortgage Loan Officer
- NMLS # 194641
I’ll be with you every step of the way
I’m Wendy Seagle, an originating branch manager with America’s #1 Retail Mortgage Lender. With more than 35 years of experience in the industry, I’ve helped generations of families achieve homeownership across Florida’s Emerald Coast.
I specialize in VA, FHA, conventional, jumbo, construction-to-permanent, renovation, first-time homebuyers, DSCR, bank statement and other financing solutions. Born and raised in Fort Walton Beach and now residing in Miramar Beach, I provide local knowledge and personalized guidance. I’m passionate about helping you navigate today’s lending landscape with confidence.
Outside of work, I enjoy spending time with my husband, Todd, and our family of seven children and four grandchildren. Whether traveling, cheering on the Florida Gators from our RV in Gainesville or spending time on the water, I love creating lasting memories with family and friends and embracing the lifestyle that makes Florida’s Emerald Coast such a special place to call home!
Wendy’s Reviews
My Videos
Guides and resources
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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.
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.