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
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
9 AM to 5 PM
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Reviews from Web
Linda is the absolute best!!! She made the loan experience the absolute best and I had added her to our preferred list of Linder.
Reply from Linda Kirkpatrick
September 8th, 2026 01:15 PM
Thank you for your kind words, Jessica. I'm glad to know that your loan experience was positive enough to add me to your preferred list. It was a pleasure working with you!
Linda Kirkpatrick has received a review with 5 star rating from Michael
Reply from Owner
September 2nd, 2026 01:52 PM
Thank you for the great rating, Michael. I'm pleased to know that your experience with me was positive.
Working with Linda
Reply from Linda Kirkpatrick
September 9th, 2026 05:54 PM
I'm happy to hear that working with me was a positive experience for you, Michael. Thank you for the great rating!
Linda & her team kept us informed each step of the process .
Reply from Linda Kirkpatrick
September 1st, 2026 01:24 PM
Thank you, Donna, for recognizing the efforts of my team and me. I'm pleased that we could keep you informed throughout each step of the process. I wish you much happiness in your new home for many years to come!
Linda & her team were exceptionally professional & very informative on all aspects of our loan process
5 star
Reply from Owner
September 8th, 2026 01:49 PM
I'm pleased to hear that you found my team and me professional and informative throughout your loan process, Park. Thank you for taking the time to share your experience.
We are so grateful for how helpful Linda was during this entire experience. Our entire process was smooth and sweet thanks to her and our realtor. We will go through Linda for all future home buying experiences for sure.
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Reply from Linda Kirkpatrick
August 29th, 2026 03:45 PM
Thank you, Damon, for your kind words. I'm glad to hear that the process was smooth and enjoyable for you. I look forward to assisting you with any future home-buying needs.
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.
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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
Eastern Time
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