AJ DiCarlo, Originating Branch Manager, CrossCountry Mortgage

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Fort Walton Beach, FL
AJ DiCarlo, Originating Branch Manager, CrossCountry Mortgage

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The DiCarlo Group

Personal NMLS 2488670
Branch NMLS 2753860
Company NMLS 3029
Equal Housing Opportunity Hello! My name is AJ. As a 21-year U.S.
(2)

Air Force Veteran with a background in Air Traffic Control and Special Operations, demonstrating leadership and precision in high-stakes environments is what I’m built for. I bring that same commitment to excellence and service to the mortgage industry, helping individuals and families navigate home financing with confidence. I became a loan officer because of my undying desire to serve. The joy of assisting first-time homebuyers in living out their dream of purchasing their first home, aiding real estate investors in expanding their real estate portfolio and helping existing homeowners with a refinance to ease some of the burden their current monthly payments may bring them is what keeps me going. Whether guiding first-time buyers, supporting investors in growing their real estate portfolios or assisting homeowners in refinancing, I’m dedicated to providing personalized mortgage solutions with America’s #1 Retail Mortgage Lender.

11/05/2026

One of the first questions I ask buyers is, "What’s your credit score?" More often than not, the answer starts with: "Well, Credit Karma says..." Here is the truth: free apps like Credit Karma don’t show the exact scoring models lenders pull for a mortgage. While mortgage lenders traditionally evaluate models like FICO 2, 4, and 5 (or VantageScore), consumer apps often reflect different scoring metrics entirely. Because of this difference, it’s not unusual for an official lending credit report to come in 40, 50, or even 60 points lower than what you see on your phone. If that happens, don’t panic—a lower score on paper doesn't automatically ruin your borrowing power. Before you start touring homes, connect with a lender to see your true numbers so you can plan your budget with total confidence. Drop a comment or DM me if you have questions about where your score stands! 🏡📲

AJ DiCarlo | Originating Branch Manager
Cell: (850) 733-6981 | Office: (850) 299-8116
[email protected]
AJ DiCarlo NMLS 2488670 | Branch NMLS 2753860 | Company NMLS 3029 | Equal Housing Opportunity

11/05/2026

Big plans? Unexpected expenses? A CCM Signature Agency Cash Access refinance can help you access up to 90% combined loan-to-value, providing more available funds than a conventional cash-out refinance. See what may be possible: http://spr.ly/6181BHb4kx

11/05/2026

Making homeownership happen—especially when it feels out of reach—is what drives our entire team every single day. 🏡✨

Whether you are buying your first home, looking to move up, or exploring refinancing options, having the right team in your corner makes all the difference. Let's make your home goals a reality.

Ready to take the next step? Get in touch today:

📲 Cell: (850) 733-6981

☎️ Office: (850) 299-8116

✉️ Email: [email protected]

AJ DiCarlo | Originating Branch Manager | The DiCarlo Group at CrossCountry Mortgage

AJ DiCarlo NMLS 2488670 | Branch NMLS 2753860 | Company NMLS 3029 | Equal Housing Opportunity

11/04/2026

Nearly 4 out of 5 metro markets saw home price growth during Q3. Take a look at the 10 metros with the largest year-over-year gains, then let’s turn the latest market insights into smart conversations with your clients. 🏡

11/03/2026

Think putting your investment property in an LLC makes you untouchable? Think again. Many investors assume that simply forming an LLC shields them from all personal liability, but that couldn’t be farther from the truth. Far too often, courts "pierce the corporate veil," leaving personal assets wide open to risk.

Before you assume you’re protected, consult your CPA or wealth advisor to ensure your entity structure and operations are set up correctly.

AJ DiCarlo | Originating Branch Manager
Cell: (850) 733-6981 | Office: (850) 299-8116
[email protected]
AJ DiCarlo NMLS 2488670 | Branch NMLS 2753860 | Company NMLS 3029 | Equal Housing Opportunity

11/03/2026

Do you know how much equity you have in your home? It might be more than you realize. If you’re curious, our home value estimator is a great place to start: http://spr.ly/6189BHXO11

11/02/2026

Closing by December 31st requires a tactical start today.

Full application in this week, every document requested back within 24 hours, insurance and appraisal scheduled the day they're ordered. That's the whole difference between closing on time and missing the window.
If the holidays are your deadline, the start line is today. Send me a message.

AJ DiCarlo | Originating Branch Manager
Cell: (850) 733-6981 | Office: (850) 299-8116
[email protected]
AJ DiCarlo NMLS 2488670 | Branch NMLS 2753860 | Company NMLS 3029 | Equal Housing Opportunity

11/02/2026

A simple thank you can make someone’s day.

10/31/2026

Address

139 Beal Pkwy Unit 104
Fort Walton Beach, FL
32548

Telephone

+18507336981

Website

https://crosscountrymortgage.com/fort-walton-beach-fl-4381/andrew-dicarlo/, https://share.google/0tKv33FNcgxgn2r9T

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