Carmen Cipolone

20 years of mortgage experience. An investor’s perspective. Your goals first.

I’m Carmen Cipolone, a loan officer and Branch Manager of The SimpleLoan Group at Barrett Financial Group. Since 2006, I’ve helped homebuyers, homeowners, and real estate investors turn their plans into a clear path forward.

Based in Indian Harbour Beach on Florida’s Space Coast, I’m licensed in 15 states. Whether you’re buying close to home, relocating, or investing across state lines, I bring experience, lender options, and personal attention to your financing.

I’m also a real estate investor myself. I understand that the right financing has to work beyond closing day. Your payment, upfront costs, cash reserves, and long-term goals all deserve a place in the conversation.

I help clients with:

• Home purchases: Options for first-time buyers, move-up buyers, veterans, and buyers relocating.
• Refinancing and cash-out: Explore ways to adjust your rate or term, access equity, or improve monthly cash flow.
• Investment properties: Financing for rentals, multi-unit properties, and portfolio growth, including DSCR loan options.
• Self-employed borrowers: Bank statement and alternative documentation programs that account for how you earn.
• Reverse mortgages: Options for eligible homeowners exploring how home equity could support their retirement goals.

Bring me your questions—and the complicated situations, too.

As a loan officer, I compare options across multiple lenders and explain the tradeoffs so you can make an informed decision. You can expect direct access to me, clear communication, and a team that stays engaged throughout the process.

I’ll tell you what works, what needs attention, and what steps could put you in a stronger position. That includes having an honest conversation when the timing or numbers need another look.

Outside of work, I’m all about family, fitness, boating, and Philadelphia sports. Originally from South Jersey, I spent years in San Diego before making the Space Coast home.

Let’s make your next move simple. Call or text me to talk through your goals, property location, and timeline. We’ll start with your options and build a plan from there.