I am a 21-year Veteran of the United States Air Force, husband to the hardest working woman I know, and father to three amazing daughters. The attraction of being a Mortgage Loan Originator was brought on by 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 creating generational wealth, and helping existing homeowners with a refinance to ease some of the burden their current monthly obligations may bring them is what keeps me going. My "high speed, low drag" work ethic focusing on effectiveness and efficiency is guaranteed to facilitate a smooth and stress-free process. I want all future customers and current clients to know that it is my fiduciary duty to serve their best interests, and I take that responsibility very seriously!

Producing Partnership Branch Manager

AJ DiCarlo is your Fort Walton Beach local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, AJ is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact AJ at (850) 303-6706 for more information!

AJ DiCarlo at Rate (NMLS #2488670)

Gustavo Ramirez is a seasoned Mortgage Loan Originator at Guaranteed Rate, bringing years of experience in the mortgage industry. Having retired from the military in 2022, he is deeply familiar with the unique needs of military families and is passionate about supporting them throughout their homebuying journey.


With a background in real estate investing, Gustavo also offers valuable insights into property investment, helping clients navigate both homeownership and wealth-building opportunities. His approach to mortgage lending is grounded in integrity, professionalism, and a genuine desire to serve, offering personalized solutions that align with each client's financial goals.


Outside of work, Gustavo enjoys fishing and spending time with his wife and two children, with his strong sense of family, community, and hard work influencing everything he does.

VP of Mortgage Lending

Gus Ramirez is your Fort Walton Beach local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Gus is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Gus at (850) 558-4764 for more information!

Gus Ramirez at Rate (NMLS #2563185)

**Hello, my name is Daekwon Faison, I'm your friendly neighborhood VP of lending here in the sunshine state of Florida. I'm a husband, Father, and proud military veteran. I'm dedicated to helping anyone through the mortgage process and committed to help fulfilling their dream being a homeowner. Can't wait to hear from you!**

Kwon Faison is your Fort Walton Beach local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Kwon is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Kwon at (850) 329-1869 for more information!

Kwon Faison at Rate (NMLS #2354121)

Fort Walton Beach

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3 Loan Officers Fort Walton Beach, FL