Top 5%
AJ DiCarlo at CrossCountry Mortgage
Branch Manager | NMLS #2488670
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Fort Walton Beach, FL. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner... Show More
Location & Business Hours
Business Hours
Tues
8:30 AM to 5 PM
Wed
8:30 AM to 5 PM
Thu
8:30 AM to 5 PM(Open now)
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Reviews from Web
Me and my husband had a great experience working with AJ. As first time homebuyers, we didn’t know much about the process, but he took the time to explain every step in a way that made us feel confident and informed. He was always available...
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Reply from Owner
April 28th, 2026 02:24 AM
Thank you Natalie! So happy to be part of this journey with you and Christopher and the new baby!
AJ was helpful and I had an easy time applying for a loan on a second house. He could answer my questions and helped me through the whole process. He has my full recommendation.
Reply from AJ DiCarlo
April 20th, 2026 08:51 PM
I'm grateful for your kind words, Eluterio. It's appreciated to hear that you had an easy experience applying for your loan and that I could assist you throughout the process. Thank you for your full recommendation!
10/10! AJ is always there for me, whether it’s answering my calls or responding to my texts whenever I need him. Thank you for your consistent communication and for always going above and beyond to help our clients!
Reply from Owner
April 9th, 2026 10:19 PM
Well you set the standard in super-responsiveness and I won’t be outdone! Always a pleasure to work with you and can’t wait for you to get back here!
AJ was awesome in helping me purchase a house. He was fast to respond and always kept me on track when all the paperwork started. If you're looking to buy a property and are reading these reviews then I recommend you go for it and start to...
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Reply from Owner
April 9th, 2026 10:18 PM
Appreciate the review Trey! Got a little squirrelly there for a minute with the listing side but you took it in stride and we got it done! Congrats brother!
AJ was very easy to work with he had my pre approval done with in a couple of hours. He is very knowledgeable and a great communicator. I would highly recommend him to anyone who is in the market for a mortgage!!
Reply from Owner
April 5th, 2026 01:04 PM
Matthew, you are wise beyond your years. You did your homework, were receptive to feedback, always ahead of the game and quick to respond. Phenomenal to work with! If you know anyone else in the market to purchase a home and need lending, please...
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AJ is an absolute professional at his job. It was a pleasure working with him and I look forward to doing it again in the future!
Reply from Owner
April 4th, 2026 01:04 PM
Jake, ready when you are buddy! Glad I could help you launch your real estate investing career! You got a great one for your first and let’s find you another unicorn!
Working with AJ was such a delight! His quick response time and flawless communication made for an absolutely seamless transaction. I'm excited to work together again soon!
Reply from Owner
March 29th, 2026 03:57 PM
Thank you Lauren! Even on a cruise ship on the middle of the Caribbean, you extremely communicative and on top of everything throughout the entire transaction! Looking forward to helping more buyers with you!
We had an amazing experience with our mortgage lender throughout the entire home buying process. He was always available whenever we needed him it honestly felt like he answered every call or message within seconds. Buying a home can be stressful,...
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Reply from Owner
March 29th, 2026 03:58 PM
So happy for you and Chamone! Buying and investing in your first home at such a young age is HUGE and thank you for allowing me to be part of that journey!
AJ made our refinance process easy and stress-free. He’s extremely knowledgeable and took the time to explain everything so we felt comfortable every step of the way. Thanks to his hard work, we were able to get a great rate. Highly recommend...
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Reply from Owner
March 29th, 2026 03:59 PM
Thank you so much for allowing me to refinance you and Carson and reduce your mortgage exponentially! When the time comes to move and turn your house into an investment property, you’ll def cash flow and create passive income that you’ll see...
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Through out the process there was a high level communication, answers were provided to any questions that arose during the loan process. An open line of communication was maintained from the initial application for refinance to closing. The...
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Reply from AJ DiCarlo at CrossCountry Mortgage
March 11th, 2026 07:36 PM
I truly appreciate your feedback, Arien. Maintaining clear and open communication is something I strive for throughout the refinancing process. I'm glad you felt that I balanced professionalism with personal care. If you have any more questions...
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About
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Fort Walton Beach, FL. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner considering a refinance, I provide a selection of mortgage loan options to fit your goals. FHA loans, VA loans, conventional loans, and jumbo mortgages are just a few I offer to help you navigate home financing with confidence. From application to closing, I’ll give you a transparent process with clear communication and expert advice every step of the way. Together, we’ll bring your homeownership dreams to life. NMLS #2488670 | Branch NMLS #2753860
Products & Services
Mortgage Loan Officer
Conventional Home Loan
Specialities
Conventional Loan
VA Loan
Jumbo Loan
Fixed Rate Mortgage
Adjustable Rate Mortgage
FHA Loan
USDA Home Loan
FHA 203k Limited Refinance
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Positions
- CrossCountry Mortgage - Originating Branch ManagerAug 4th, 2025 - Current
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2025
Time Zone
Central Standard Time (CST)
Licenses
- 2488670
Hobbies
- Scuba Diving
- Spearfishing
- Traveling
Disclaimer
CrossCountry Mortgage, LLC
2160 Superior Avenue, Cleveland, OH 44114
NMLS3029 | MB.803095