CrossCountry Mortgage logomark

Karen Zhong

SVP of Lending

Los Angeles, CA Mortgage Lender

NMLS #237140

3415 S. Sepulveda Blvd, Suite 330
Los Angeles, CA 90034
Contact Methods
tel Phone
mobile Mobile
(310) 266-7755
fax Fax


About Karen

CrossCountry Mortgage – one of the nation’s top mortgage lenders – offers a wide range of loan options, including conventional, jumbo, portfolio, FHA, and VA programs. As your partner in home financing, I’m committed to listening to you and utilizing over two decades of mortgage experience and knowledge to tailor a home financing strategy that fits your personal situation and goals.

Communication promotes confidence, and I want you to feel confident every step of the way. From filing your loan application to receiving your keys or completing your refinance, I’ll be by your side to support you throughout the process with continuous updates and answers to your questions or concerns.

Whether you’re buying, refinancing, or renovating, I look forward to giving you an outstanding mortgage experience.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
The kitchen of a new homeowner

Buying now means saving later

Don't fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you'll save upfront and thousands down the line.

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*For full terms and conditions, visit
First time homebuyers admiring their new home

Ready to buy your first home?

Our wide range of mortgage options can help you achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief.

Financing options

  • Home loans with as little as 3% down
  • Temporary buydowns to lower your mortgage rate at the start of your loan
  • Down payment assistance from national and state programs
  • Personalized home financing solutions

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!

Take the first step toward homeownership.
Let’s discuss your options today.

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Recent Posts and Articles


Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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Send me a message below or give me a call at 949-554-2626