CrossCountry Mortgage logomark

Raymond Santo

Branch Manager

Santo Group

NMLS #367025

2160 Superior Avenue
Cleveland, OH 44114
Contact Methods
tel Phone
mobile Mobile
(440) 829-7186
fax Fax


About Raymond

Local to the Cleveland market, I’m your dedicated real estate expert. I live in Westlake with my wife and three daughters and love to play in the same community I serve! Additionally, I’m licensed in Pennsylvania and Florida, extending my mortgage expertise to benefit other neighborhoods. I have all the connections needed to ensure a memorable mortgage experience – and I look forward to providing you with just that.

From my vast collection of loans, such as conventional, FHA, VA, and USDA, we’ll explore your options and choose the right one to meet your goals. I’ll be by your side every step of the way to answer your questions and move your home loan from application to closing. Whether you’re buying your first home, your next home, or refinancing, we’ll make your mortgage a win.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
Equal Housing Opportunity

Tap into your
home equity - fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity.

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days.

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

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.

Quick Contact Form

Send me a message below or give me a call at 216-877-1238