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Your Local CrossCountry Mortgage Loan Officer

Michael Villano

  • Executive VP of Sales / VA Lending
  • Fort Walton Beach, FL Mortgage Loan Officer
  • NMLS #902369

I’ll be with you every step of the way

As a VA lending specialist I have the pleasure of working with the best sort of people, in my opinion. My customers are always honorable ladies and gentleman who live a life not many fully understand. I feel honored to be trusted with their home financing when they are out of state and many times out of this country. My team and I work very hard to make sure dates are met and transactions are smooth because that’s what we would expect out of you. I look forward to each new relationship formed and am proud to say we have done an excellent job serving those who have served us all. Thank you.

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

How much will my mortgage payment be?  

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.

A family plays together peacefully knowing they found the best option to help them reach financial wellness.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

Inspiration for your home loan journey

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Down Payment: How Much Do You Need for a House?

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When to Refinance a Mortgage

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Frequently asked questions

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