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Your Local CrossCountry Mortgage Loan Officer

Scott Evans

  • Executive Vice President
  • San Diego, CA Mortgage Loan Officer
  • NMLS #256163

I’ll be with you every step of the way

Hi, I’m Scott Evans, and I’ve been in the mortgage industry since 2006, closing over $2 billion in mortgage transactions. Since 2016 alone, I’ve personally closed over 2,000 mortgage deals totaling $838 million, with $440 million in VA loans. More than half of my business is dedicated to serving our Military and Veterans, and I’m proud to have been named the #1 VA Lender in the U.S. by *Scotsman Guide* for two consecutive years. Additionally, I’ve held the rank of #1 Individual Lender on Zillow for San Diego County.

My commitment to helping families achieve their homeownership dreams led me to create Homebuyer Seminars for Military and Veterans statewide. At the San Diego, CA branch of America’s #1 Retail Mortgage Lender, I’m honored to continue offering top-tier service to my clients.

  • #1 for VA Volume Nationwide
  • #1 Loan Officer in San Diego
  • $2 Billion in Closed Mortgage Transactions
  • Open for business from 8:00 AM to 9:00 PM – 364 days a year
Better Business Bureau Award Scotsman Guide Top Workplaces 2026 Mortgage Executive Top 50 Mortgage Companies In America 2023 Award 2025 Scotsman Guide Top Mortgage Lenders Award 2025 The Plain Dealer Top Workplaces Award 2025 Scotsman Guide Top Originators Award

Scott’s testimonials

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

Should I buy a house or keep renting?

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.

Neutral living room with fireplace.
Women sits at kitchen table and researching options to help her purchase a home instead of renting one.
Military member coming home to his daughter in his VA-funded home.

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. 

For full terms and conditions, visit ccm.com/buynowrefilater

Move On From Renting

Buying a home doesn’t seem easy, but that shouldn’t stop you from enjoying the benefits of homeownership! I’ll provide solutions to help you own your very own home. 

Not sure you’re financially ready?  

We’ll make a plan that fits your budget. 

Think iffy credit will hold you back?  

I’ve got options with flexible requirements. 

Unsure about high rates, down payments, or closing costs? 

We’ll find ways to save.  

Don’t wait – let’s start the process so you can make your big move. 

Come Home With a VA Loan

Did you know VA mortgage loans are not only for Veterans? Qualified Active-Duty Military, National Guard, Reservists, and Surviving Spouses can take advantage of this important benefit. VA loans offer 100% financing without mortgage insurance, and the VA benefit is re-usable. 

Purchase or refinance, contact me to learn more. 

Join us for local or online event

Just List. Just Sell. Just Win.

Wednesday, February 25, 2026 | 11:45 AM Seasons 52, 3333 Bristol Street, Costa Mesa, CA 92626
Register
List More Homes and Convert More Renters Into Homeowners

List More Homes and Convert More Renters Into Homeowners

Are you ready to list more property in 2026?

Are you ready to convert more renters into homeowners?

The Scott Evans Team is proud to announce the launch of its newest value proposition, designed and tested to convert more homeowners into sellers and renters into buyers.

This tool and its technology allow agents to ask 5 simple questions to both homeowners and renters, giving immediate results on how cost effective it is to sell and upgrade or to purchase over renting.

Join Scott Evans, the #1 Mortgage Originator in the State of California, as he shares these new strategies with real estate agents to sell more homes.

Topics:

  • Convert Database, Prospecting Calls and Conversations to Listings
  • Bridge Your Sellers From Existing to New
  • Close Listings with Repairs Needed
  • Get the Listing Compensation Deserved

Seating begins at 11:45AM!

Signature Lunch will be provided for all guests

Just List. Just Sell. Just Win.

Tuesday, March 3, 2026 | 11:45 AM Farmer's Table, 330 F Street, Chula Vista, CA 91910
Register
List More Homes and Convert More Renters Into Homeowners

Are you ready to list more property in 2026?

Are you ready to convert more renters into homeowners?

The Scott Evans Team is proud to announce the launch of its newest value proposition, designed and tested to convert more homeowners into sellers and renters into buyers.

This tool and its technology allow agents to ask 5 simple questions to both homeowners and renters, giving immediate results on how cost effective it is to sell and upgrade or to purchase over renting.

Join Scott Evans, the #1 Mortgage Originator in the State of California, as he shares these new strategies with real estate agents to sell more homes.

Topics:

  • Convert Database, Prospecting Calls and Conversations to Listings
  • Bridge Your Sellers From Existing to New
  • Close Listings with Repairs Needed
  • Get the Listing Compensation Deserved

Seating begins at 11:45AM!

Signature Lunch will be provided for all guests

Just List. Just Sell. Just Win.

Thursday, March 5, 2026 | 11:45 AM Fleming’s Prime Steakhouse & Wine Bar, 800 West Olympic Boulevard, Los Angeles, CA 90015
Register
List More Homes and Convert More Renters Into Homeowners

Are you ready to list more property in 2026?

Are you ready to convert more renters into homeowners?

The Scott Evans Team is proud to announce the launch of its newest value proposition, designed and tested to convert more homeowners into sellers and renters into buyers.

This tool and its technology allow agents to ask 5 simple questions to both homeowners and renters, giving immediate results on how cost effective it is to sell and upgrade or to purchase over renting.

Join Scott Evans, the #1 Mortgage Originator in the State of California, as he shares these new strategies with real estate agents to sell more homes.

Topics:

  • Convert Database, Prospecting Calls and Conversations to Listings
  • Bridge Your Sellers From Existing to New
  • Close Listings with Repairs Needed
  • Get the Listing Compensation Deserved

Inspiration for your home loan journey

Military & Veteran Homebuyer Webinar

Learn More

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.

    Learn more

  • 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.

    Learn more

  • 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.

    Learn more

  • 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.

    Learn more

  • 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.

    Learn more

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