-
31351 Rancho Viejo Road, Suite 204 & 205 San Juan Capistrano, CA 92675 Tel (877) 237-9694 [email protected]
-
- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
-
- Purchase
- Refinance
JJ Mazzo
- Executive Vice President
- San Juan Capistrano, CA Mortgage Loan Officer
- NMLS #186548
I’ll be with you every step of the way
Hi, I’m JJ Mazzo, a Senior Mortgage Banker and EVP with CrossCountry Mortgage ranked in the Top 200 of mortgage professionals nationally by Scotsman Guide and Mortgage Executive Magazine. With two decades of experience and over $1 billion in personal production, I bring expert knowledge and proven results to all aspects of the home loan process.
My focus on speed and customer satisfaction has earned me the Five Star Mortgage Professional customer service award for four years in a row. I was the first in my region to create the 10-Day escrow close, giving borrowers the same advantage as cash buyers. Leading a highly skilled team at our San Juan Capistrano, CA branch, I’m proud to deliver an exceptional mortgage experience with the support of America’s #1 Retail Mortgage Lender.
In addition to my mortgage work, I’m a CORE™ Business Coach and a committed sponsor of CHOC Children’s Hospital of Orange, Orange County Rescue Mission, and Giveback Homes. I live in San Juan Capistrano, CA, and Cornelius, NC, with my wife and two daughters.
JJ’s testimonials
Guides and resources
My social posts
How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Inspiration for your home loan journey
Frequently asked questions
-
Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
-
To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
-
A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
-
A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
-
To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.