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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
David Simmons
- Senior Loan Officer
- Fort Walton Beach, FL Mortgage Loan Officer
- NMLS # 546581
I’ll be with you every step of the way
I’m David Simmons, a loan officer based in the Panhandle of Northwest Florida, serving clients throughout Florida, Georgia and Alabama. I help buyers and investors finance primary homes, second homes and investment properties, guiding them from pre-approval through closing with clear communication and straightforward advice.
For 27 years, I’ve helped self-employed borrowers, real estate investors and Military Families across the Gulf Coast secure home financing. Whether it’s DSCR loans for investors, bank statement loans for business owners or VA loans for Veterans and Active-Duty Service Members near Eglin Air Force Base, I deliver tailored solutions with deep local market expertise.
In addition, I offer conventional, FHA, USDA, jumbo and condo loans, creating a one-stop solution for home financing. If you’re searching for a loan officer in the Fort Walton Beach/Gulf Coast of Florida, my team and I are ready to help you at CrossCountry Mortgage, America’s #1 Retail Mortgage Lender!
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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.