Meet: Lindsay Simmons Beale of The Simmons Team

Katie Simmons Hickey and Lindsay Simmons Beale. All photos courtesy The Simmons Team.

We’d like to formally introduce you to Lindsay Simmons Beale, an avid horsewoman, incredibly skilled multitasker and an extremely experienced SVP of Residential Lending for The Simmons Team and CrossCountry Mortgage. Lindsay can often be found in the show ring, flying high over impressive fences, or out and about in both Hunt Country and Florida. We love her energy and personal touch in all that she does, and encourage you to think of her in your home-buying journey. Get to know Lindsay below!

Lindsay Simmons Beale of The Simmons Team.

1. How did you get started in your business here in Hunt Country?

Our family has been deeply rooted in the real estate lending industry in Virginia for the past 50 years. My mom started in the industry, my oldest sister followed, and I began working as a mortgage loan officer 15 years ago. Shortly thereafter, partnering up with my oldest sister, Katie Simmons Hickey.

We grew up with horses on our property, and I still remember my dad having me walk water buckets up to the barn before school when the pipes would freeze. Our parents instilled in us a philosophy of “work hard and enjoy it, and continue working hard so you can continue enjoying it” from an early age, and they taught us to respect everyone no matter where they came from or what they had. I think this has helped my sister and me become one of the top mortgage teams in the nation. We love working with everyone from first-time homebuyers to investors to people moving up to their forever home!

2. What do you love most about living and working in Hunt Country?

I love working with clients everywhere, but I love Hunt Country specifically as I learn everything about a person during the lending process, and everyone here has a story. It’s such a beautiful, tight-knit community, and I’m lucky to be a part of it. What better place to network with people than in your own backyard at horse shows, spring races, and wineries?

Above: Lindsay jumping in Florida, sisters Katie and Lindsay.

3. What is your favorite aspect of your work?

I love seeing the architecture, character, and land of the properties I help finance. From smaller homes in town to larger farm properties, it’s always the highlight of the process to see all the different Hunt Country touches people have used to make their homes unique.

The Simmons Team.

4. Can you tell us some of your favorite spots in Hunt Country?

Common Grounds, Salamander Resort and Spa and The Goodstone Inn (especially their special chef menu!).

5. What are some recent or new projects or services that your business offers? 

We recently relocated our branch with a new mortgage lender, CrossCountry Mortgage, LLC to better serve our clients and real estate partners in this volatile market climate. CCM has their own signature programs for First Time Home Buyers, Investors, Veterans and more allowing our partners and clients to continue to gain the bidding edge.

In today’s higher mortgage rate environment, rate buydowns have become more popular. This is a strategy where the homebuyer or seller pays to reduce the mortgage rate and monthly payment during the first couple years of the loan. This can help make those first years of homeownership more affordable and can provide a cushion to those who want to buy now and refinance later to a lower rate and payment.  We also have bridge loans for those that have to buy before they can sell so it allows them to tap into the equity of their departing residence before the sale goes through. This allows us to help our clients win more bidding wars by allowing them to close more quickly.

6. Is there any insider advice you would give to your clients?

If you’re considering buying, building, renovating, refinancing or taking cash out of a home, talk to a lender sooner rather than later. They can help you get “mortgage-ready” early, which may save you money or eliminate problems later if and when you’re ready to move ahead with your plans.

Be sure to tell her Scout sent you!

Lindsay Beale, Senior VP of Residential Lending
[email protected]