Headshot of Curt  Conkling

Curt Conkling

Branch Manager

Cell Phone:
Office Phone:
[email protected]

CrossCountry Mortgage
169 Saxony Road Suite 104
Encinitas, CA 92024


About Curt

Since entering the mortgage industry in1991, I’ve developed strong sales and marketing skills that have enabled me to help the dream of homeownership come true for thousands of clients. My extensive knowledge of loan products allows me to confidently and efficiently help homebuyers determine the best loan options for their needs. Expertly guiding my clients through the loan application process, understanding their financial profile and supporting documentation, and identifying loan products and quoting rates and terms for my customers are all responsibilities I take seriously.

Over my 30 year career, I have taken a special interest in serving the mortgage needs of our first responders and union workers in California and the Southwestern US. As a leading affinity lender, meaning I create relationships with our area police, first responder, labor, and other unions to offer them the most competitive mortgage pricing available, I am in tune with the unique needs of my clients. These relationships have brought me to become the lender of choice for countless; providing homeownership education and offering specific benefits to all members and participating in various events to support our Law Enforcement Professionals and their charity foundations is a true passion of mine.

Don’t hesitate to reach out to me and my team for all of your home financing needs and to see what programs you may qualify for!


Resources & Tools

Learn more about our 21 day loan process and home loan options as well as utilize some helpful tools and resources.

21 Day Loan Process

We can close most loans in as few as 21 days! Learn about the 5 step process for our program here.

Mortgage Checklist

Make sure you have all the necessary required documents and information during the loan process with this checklist.

Mortgage Calculators

Determine your mortgage payments, refinance savings, and compare renting vs. owning a home.

Renovation Loans

Looking to buy a fixer-upper or want to make repairs to your current home? Learn all about getting started here.