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Your Local CrossCountry Mortgage Loan Officer

Bryan Brackeen

  • VP of Mortgage Lending & Producing Branch Manager
  • Delray Beach, FL Mortgage Loan Officer
  • NMLS # 1530977
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I’ll be with you every step of the way

Hello! My name is Bryan Brackeen. As a branch manager located in Port St. Lucie, FL, I’ve helped Florida homeowners buy and refinance with clear, simple guidance since 2016. I have an extensive financial background, including degrees in finance, accounting and an MBA.

I don’t simply offer you cookie-cutter solutions. Instead, I’ll help you explore all your options and make the right financial decisions to achieve your goals. I offer a wide range of choices, from conventional and jumbo to home equity, VA, FHA, USDA and Non-QM. Together, we’ll build a plan that fits you.

Customer service made CCM America’s #1 Retail Mortgage Lender. As your loan officer, I look forward to walking by your side and making your mortgage experience smooth from application to closing.

I’m married to my college sweetheart, and we have three sons. Outside of work, I enjoy coaching flag football and training in Brazilian Jiu-Jitsu.

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Better Business Bureau Award Mortgage Executive Top 50 Mortgage Companies In America 2023 Award 2025 Scotsman Guide Top Mortgage Lenders Award Scotsman Guide Top Workplaces 2026 2025 The Plain Dealer Top Workplaces Award

Bryan’s testimonials

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My social posts

It’s homebuying season.

In many parts of the country, spring is when homebuying ramps up. More homes come on the market & more buyers are looking. First home? Move-up home? Be ready to make your move. We’ve got you covered with fast closings and competitive rates.

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.

The Fed dropped its benchmark interest rate.

What does this mean for you? Mortgage rates typically move in the same direction, although they aren’t tied directly to the Fed decision.

If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refi work for you.

  • Get pre-approved for a purchase
  • Get pre-approved for a refinance
  • Calculate equity for a cash-out refi

Want to learn more about our expert take on lower rates?

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Inspiration for your home loan journey

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Senior homeowners smiling and reviewing paperwork together, illustrating 2026 housing trends and the rise of equity-rich buyers.

2026 Housing Trends: Baby Boomers Rise, First-Time Buyers Fall

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Person signing a real estate document, illustrating the grantor vs grantee property transfer process.

Grantor vs. Grantee: What They Mean in Real Estate

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Family sitting on a couch looking to purchase a house.

Can You Buy a House with No Money Down?

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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.

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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.

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