Linda Kirkpatrick
Sr. Loan Originator
Bitburg American High School
Linda Kirkpatrick is a trusted mortgage professional with more than 35 years of experience helping homebuyers and homeowners throughout Florida's Emerald Coast achieve their homeownership goals. A Florida Panhandle native with deep ties to ...... Show More
Location & Business Hours
Business Hours
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
I was required to validate my daily lunch purchases of $4 three to 4 days per week. When I challenged the requirement, I was informed that this was in response to a federal law requirement and that these could be daily payments to a payday...
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Reply from Linda Kirkpatrick
July 6th, 2026 03:36 PM
Sir,Thank you for taking the time to share your feedback. I truly appreciate your kind words about my efforts to help you throughout the process and to continue looking for the best rate available for you.I also understand why the requests...
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Thanks for working with us at a distance and for being at closing.
Reply from Linda Kirkpatrick
June 29th, 2026 12:26 AM
I appreciate your kind words, Katherine. I'm glad I could assist you from a distance and be present at the closing. If you have any more questions or need further assistance, feel free to reach out.
Linda was fantastic in helping me purchasing my first home. Was always easy to reach and work with. Would recommend and will continue to work with her moving forward.
Reply from Owner
June 20th, 2026 02:13 PM
I'm grateful for your kind words, Jarred. I'm happy to hear that my assistance made purchasing your first home a positive experience. It's always a pleasure to be easily reachable and supportive throughout the process. I look forward to continuing...
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They made the process super easy for a first time home buyer!
Reply from Linda Kirkpatrick
June 7th, 2026 01:49 PM
I'm thankful to hear that the process was easy for you as a first-time homebuyer, Jarred. Making this experience smooth and stress-free is always my priority. If you have any questions in the future, feel free to reach out.
Linda Kirkpatrick has received a review with 5 star rating from Troy S
Reply from Owner
June 7th, 2026 01:50 PM
Thank you for the 5-star rating, Troy. I appreciate your support and am here if you ever need assistance in the future.
Absolutely a great experience! Always with continuous updates, knowledge, and support throughout the entire process. Highly recommend!
Reply from Linda Kirkpatrick
May 31st, 2026 04:08 PM
Thank you for your kind words, Troy. I'm pleased to hear that you had a great experience and found the updates and support helpful throughout the process. Your recommendation means a lot to me, and I'm here if you need any further assistance...
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Linda is just a wealth of knowledge and so helpful! Love working with her! She also has so many connections to everyone you might need. Full one-stop shop! Highly recommend!
Reply from Linda Kirkpatrick at Waterstone Mor...
April 29th, 2026 07:08 PM
Thank you, Adam
I have worked with Linda Kirkpatrick for over 15 years. She is always the my go to when working with VA buyers. She is responsive, diligent and knowledgeable. She is a great resource.
Reply from Linda Kirkpatrick at Waterstone Mor...
April 29th, 2026 07:08 PM
Thank you, Lyn
I have been working with Linda for a number of years and she ALWAYS comes through, especially in challenging situations!!I love working with her. We communicate directly throughout the process and actually do become a team with nothing but...
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Reply from Linda Kirkpatrick
April 1st, 2026 01:17 PM
I'm grateful for your support, Steve. It's truly rewarding to work as a team, ensuring the best for our clients, even in challenging situations. The direct communication we share is invaluable. I'm glad to know you're looking forward to our...
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Linda made the whole process extremely effecient and easy. She was great to work with.
Reply from Linda Kirkpatrick
March 31st, 2026 02:13 PM
I'm glad to hear that you found the process efficient and easy, Luke. It was a pleasure working with you. If you have any future needs or questions, feel free to reach out anytime.
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About
Linda Kirkpatrick is a trusted mortgage professional with more than 35 years of experience helping homebuyers and homeowners throughout Florida's Emerald Coast achieve their homeownership goals. A Florida Panhandle native with deep ties to the military community, Linda specializes in VA, FHA, conventional, jumbo, first-time homebuyer, and refinance loans. Her extensive background in every facet of mortgage lending gives clients confidence and peace of mind throughout the financing process. Known for her personalized service, attention to detail, and commitment to building lasting relationships, Linda is dedicated to helping every client find the right mortgage solution for their unique needs.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Specialities
VA, FHA, USDA and Conventional Mortgages
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Education
- Bitburg American High SchoolHigh School Diploma
Positions
- Waterstone Mortgage - Mortgage Loan OfficerMay 16th, 2025 - Current
Memberships
- Emerald Coast Board of Realtors
Year Started
1986
Time Zone
Mountain Standard Time (MST)
Licenses
- NMLS# 484680
Awards
Top Producing Loan...
Achievements
- Top Producer from 2011 - 2024
Hobbies
- Traveling
- Playing with my 2 fur babies
Disclaimer
Waterstone Mortgage Corporation (NMLS #186434) is headquartered in Brookfield, Wisconsin, and is a wholly owned subsidiary of WaterStone Bank SSB (NASDAQ: WSBF). Equal Housing Lender. All loan requests are subject to credit approval and program guidelines. Information published on this site should not be construed as legal advice or credit counseling. Waterstone Mortgage Corporation is not a licensed real estate broker. Any advertisement on this page is an advertisement for real estate financing only and should not be construed as an advertisement for the sale of real estate. Disclosures & Licenses: https://www.waterstonemortgage.com/policies/disclosures-licenses General Disclaimer: https://www.waterstonemortgage.com/policies/terms-conditions