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Loans are complex.
‍We make them simple.

We understand you have a lot on your plate while you search for a new home, which is why we make the mortgage process as simple as possible.

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10,689

Families Helped

#1

Best of North Coast

18

Years as a Team

In-House

Operations

5-Star

Reviews

How it works

Take the smarter approach to getting a mortgage

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Speak with a Mortgage Expert

The first thing we’ll do is schedule your "Hopes & Dreams" call so we can learn more about you and your homeownership and financial goals. Then we’ll take a look at your current financial situation and make sure you’re on the right path towards your financial goals and owning your dream home.

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Schedule your "Hopes & Dreams" call

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Complete an application and get pre-approved

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Compare your mortgage options with complete financial breakdowns

speak to a mortgage expert
Find your dream home
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Find your dream home

Once you’re pre-approved and have a clear understanding of what type of home you can afford to reach your financial goals, it’s time to meet your REALTOR® and start the search for your new home. We’re happy to introduce you to a trusted real estate agent – we only work with the most friendly, knowledgeable, and reliable brokers in the area.

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Meet your real estate agent

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Start the search for a home your family will love

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Narrow down your search to your dream home and make an offer

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Meet your Personal Loan Manager

When you find the right home for you and your family, we’ll introduce you to your Personal Loan Manager who will serve as your concierge throughout the rest of the homebuying process. They’ll finalize your loan documents, walk you through the signing and wire transfer process, and ensure you enjoy a quick closing.

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Receive necessary disclosures and documents

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Start the processing and underwriting of your loan

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Enjoy a smooth, simple process from contract to close

Meet your personal loan manager
Move into your new home
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Move into your new home

We’ll follow up with you post-close for everyone’s favorite part – getting the keys to your new home! If you need help moving and want a referral, we’ve got you covered. Welcome home! The only thing left to do is plan your housewarming party! Invites are appreciated, but not expected ;)

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Pick up your keys

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Move into your new home

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Plan your housewarming party

Home loan options for every financial goal

Conventional Fixed-Rate Mortgages

A conventional fixed-rate mortgage keeps your interest rate and your principal and interest payment the same for the life of the loan. It's a popular choice for buying a home or refinancing.

• Predictable monthly payment • Same rate for the full loan term

Jumbo Loans

Jumbo loans are for loan amounts above conforming loan limits, which is common in higher-priced markets like San Diego.

• Higher loan amounts

VA Loans

VA loans are a government-backed home loan benefit for those who've served. Eligibility requirements apply, and our team can help you confirm your status.

• Backed by the U.S. Department of Veterans Affairs • For eligible Veterans, active-duty service members, and retired military • VA loan specialists on our team

Explore VA loans

Non-QM Loans

Non-QM (non-qualified mortgage) loans use alternative ways to document income, such as bank statements. They can fit self-employed buyers, real estate investors, and borrowers with unique financial situations.

Explore Non-QM loans

FHA Loans

FHA loans are insured by the Federal Housing Administration and are popular with first-time homebuyers. Credit and down payment guidelines can be more flexible than some other loan types.

• Insured by the FHA • An option for first-time homebuyers

Refinance and Cash-Out Loans

Refinancing replaces your current mortgage with a new one. A rate-and-term refinance can change your rate or loan term, and a cash-out refinance lets you borrow against your home equity.

• Rate-and-term refinance • Cash-out refinance

Home Equity Loans

A home equity loan is a fixed-rate second mortgage that lets you borrow against the equity in your home while keeping your current first mortgage.

• Keep your current first mortgage • Fixed rate and payment

Renovation Loans

Renovation loans combine your home purchase or refinance with funds for repairs and improvements in one loan. They're often used for older homes, remodels, and updates. Our team works with CrossCountry Mortgage renovation specialists to help you find the right fit.

• Purchase or refinance plus renovation costs

Adjustable-Rate (ARM) Loans

An adjustable-rate mortgage starts with a fixed introductory rate, then adjusts on a set schedule. It can fit buyers who plan to move or refinance before the rate changes.

• Introductory fixed-rate period

Specialty loan programs

CrossCountry Mortgage offers specialty programs for specific situations. Availability, eligibility, and terms vary, so our team can walk you through what fits your goals.

Temporary Buydown

A temporary buydown reduces your monthly payment during the first one to three years of the loan.

Bye Bye PMI

Bye Bye PMI is a CrossCountry Mortgage program that lets eligible buyers finance a home without private mortgage insurance.

Buy Now Refinance Later

This program is designed for buyers who plan to refinance after purchasing. Ask our team about program details and eligibility.

Bridge Loans

A bridge loan helps homeowners cover the gap between buying a new home and selling their current one.

Condo Loans

Condo loans provide financing for condominiums, including some properties that may not qualify for conventional condo financing.

Physician Loans

Physician loans offer financing for new and established physicians and other medical professionals, including dentists and veterinarians.

Have a unique situation? Let’s talk through your options.

Talk to Our Team

Our three-pillar approach

Education

We start with your goals. Your Mortgage Expert walks you through each option, the pros and cons, and why one fits you best.

Communication

Your Personal Loan Manager is a call, email, or text away, including evenings and weekends. Once you’re in contract, you get an update every Friday.

Execution

An experienced team handles processing, underwriting, and closing locally and in-house, so communication stays clear and deadlines stay on track.

Common questions

Home financing FAQs

How much down payment do I need to buy a home?

It depends on the loan program. Some conventional programs allow as little as 3% down, FHA loans allow as little as 3.5% down, and many VA loans don't require a down payment. A larger down payment can lower your monthly payment and may reduce or eliminate mortgage insurance. Jumbo and non-QM loans often require more. Get in touch, and our team will help you compare your options.

How much house can I afford?

Lenders look at your income, monthly debts, credit, down payment, and savings. A key measure is your debt-to-income (DTI) ratio, which compares your monthly debt payments with your gross monthly income. Beyond approval, consider what monthly payment fits your budget, including taxes, insurance, and any HOA dues. A pre-approval can give you a clearer price range. Reach out to our team, and we'll help you work through all of this.

What closing costs should I expect when buying a home?

Closing costs typically include lender fees, an appraisal, title and escrow charges, recording fees, prepaid taxes and insurance, and interest. They vary by loan, price, and location. Your Loan Estimate lists your costs within 3 business days of applying, and your Closing Disclosure shows final numbers before closing. In some cases, a seller may contribute toward costs, depending on the loan program. Contact our team, and we will walk you through what to expect.

What is the difference between conventional, FHA, and VA loans?

Conventional loans aren't insured or guaranteed by the federal government and often fit borrowers with stronger credit and down payments. FHA loans are insured by the Federal Housing Administration and allow lower credit scores and down payments. VA loans are guaranteed by the Department of Veterans Affairs for eligible Veterans, active-duty and retired military, and certain surviving spouses, and often require no down payment. The best fit depends on your finances and goals.

What is a jumbo loan?

A jumbo loan is a mortgage that exceeds the conforming loan limits set each year by the Federal Housing Finance Agency (FHFA). Limits are higher in high-cost areas, and jumbo loans often have stricter credit, reserve, and down payment requirements. In higher-priced markets such as San Diego, jumbo financing may be needed for some purchases.

Does shopping for a mortgage hurt my credit score?

Not much, if you shop within a short window. Each lender credit check can have a small effect on your score, but within a 45-day window, multiple mortgage credit checks are recorded as a single inquiry. That lets you compare lenders and Loan Estimates without stacking up penalties. Some scoring models use a shorter window, so aim to compare offers within about 2 weeks.

What is the difference between APR and interest rate?

The interest rate is the yearly cost of borrowing the loan amount, shown as a percentage. The APR (annual percentage rate) includes the interest rate plus certain lender fees and costs, so it reflects a more complete yearly cost of the loan. Use the APR to compare loan offers side by side, and review your Loan Estimate for the full details.

Why does a lender need so much documentation for a mortgage?

Federal rules require lenders to make a reasonable, good-faith determination that you can repay a mortgage, and investors who buy loans expect the file to support that decision. That's why lenders verify income, assets, credit, and the property itself. Gathering pay stubs, W-2s or tax returns, bank statements, and ID early is the best way to avoid delays.

How does my lender decide how much to collect for taxes and insurance?

Your servicer estimates your yearly property tax and insurance bills and collects one twelfth each month. Federal rules require an annual review of the account. Any excess is typically refunded or credited, and a shortage is billed to you or added to your payment, so your monthly payment can change even with a fixed rate. FHA and USDA loans generally require an impound account, and for conventional loans it often depends on your down payment.

What is the best time of year to get a mortgage?

There is no single best month to get a mortgage, because the right time depends more on your finances and goals than on the calendar. Winter, including December, can mean less competition and more motivated sellers, while spring and summer bring more listings and more buyers. Interest rates follow the broader economy, not the season, so they can't be reliably timed by month. The best time is when your credit, savings, and income are ready and the payment fits your budget. A loan officer can help you see where you stand.

What People Are Saying About Us

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Working with Garrett and his team was an outstanding experience from start to finish. They were knowledgeable, professional, patient, and always available to answer my questions throughout the entire home buying process. They kept me informed every step of the way, explained everything clearly, and made what could have been a stressful experience feel smooth and manageable. I truly appreciated their honesty, responsiveness, and dedication to helping me secure the best loan for my new home. I highly recommend him to anyone looking for a trustworthy and reliable loan officer.

Google
Behnoosh N.
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Garrett was an awesome resource helping us along the way to finding our perfect home at the best price for us! He put in the extra effort to make sure we were competitive during offering, and that everything was on time for closing. I highly recommend!

Google
Melinda L.
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Garret was extremely knowledgeable and went above and beyond to support us with our home buying experience. He helped us move quickly to qualify and complete a short escrow on time. With the help of Garrett and his team, we were able to beat out an all cash offer on the home we wanted and get our loan approved quickly at a competitive rate. I would definitely recommend him to other friends and family looking for a lender.

Google
Amy Z.
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I cannot thank this team enough for all of their hard work and effort to make this happen for me. It was a pleasure working with each team member because they were professional, Efficient and considerate of my time. Garrett was patient and spent so much time explaining things to me in a way that I would understand. He answered all of my questions no matter how big or small. Sam is an absolute blessing, I’m so grateful to have met him. I can go on and on about this team and how amazing they were to me but I truly cannot thank them enough for all that they’ve done for me.

Google
Stacy M.
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“

The team was amazing to work with. Professionalism, transparency, and an extreme sense of urgency to do what needs to get done on time. They also have a great portal to upload all necessary documentation to help maintain data security. If I had more stars I would score the company higher. They helped us purchase a dream second home, and we couldn't be happier. I've worked with many other lenders in past, and these people are by far the best! I won't think twice before working with them again.

Google
Imtiaz H.
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Working with this team is a dream. The process is very easy and very well-explained. The follow-up is prompt and polite. It seems that the process is over before you know it. I HIGHLY RECOMMEND THEM!!!

Google
Robert M.
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From the beginning to the end of our escrow, everyone on the team was absolutely amazing! In our previous home purchase, we had a horrible experience with our lender and were very apprehensive going forward. But everyone we worked with was professional, helpful, and always available! We felt supported every step of the way and everyone was just so kind and easy to work with! I would HIGHLY recommend this team to anyone going forward!!! We couldn't be more happy!

Yelp
Kelli M.
Read 60+ More Reviews on Yelp
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The team is absolutely fantastic! I would highly recommend them for both a new purchase and a refinance, I have done both with them. They are extremely attentive and kept me updated every step of the way, whether is was from cool video emails to responding to my evening questions. They got me a fantastic rate and made the process very painless, both times!

Yelp
Tyler M.
Read 60+ More Reviews on Yelp
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I worked with this mortgage company to get a loan done quickly. I was closing on a foreclosure from a reverse mortgage. They got things done on time, they communicated perfectly through the process, they took away stress and worry for me. A+ highly recommend using them to make a stressful time/buying a home easier.

Google
Justin G.
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My mortgage was not the normal garden variety. The team did an amazing job. The process was fast, clean and easy. Immediate response to any question/concerns. I could not be happier in their performance. Thanks everyone.

Facebook
Gary A.
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Free consultation

Let's find the right loan for your family

Whether you're buying a home, refinancing, or exploring non-QM and jumbo options, our team will walk through your goals and give you a clear plan.

Book Your Free Consultation

10,689

Families Helped

#1

Best of North Coast

18

Years as a Team

In-House

Operations

5-Star

Reviews