CrossCountry Mortgage logomark

Zachary Santo

Branch Manager

Santo Group

NMLS #1662545

2160 Superior Avenue
Cleveland, OH 44114
Contact Methods
tel Phone
mobile Mobile
(440) 488-0874
fax Fax


About Zachary

While I’m a young professional at 28 years old, I’ve been in the mortgage industry for six years. I’m a soon-to-be father of two boys, with one 16-month-old son named Santino. I understand how much home means to one’s family, have helped many clients secure homeownership, and am excited to help you and yours, too!

Whether you want to buy your first home, your next home, or refinance your existing home, I’ll simplify the home financing process. I’ll take the time to walk you through each step of the mortgage process, answer your questions and concerns, and keep you up to date on your loan’s status. Communication promotes confidence, and I want you to feel confident every step of the way.

When it comes to finding the right mortgage for you, I start by listening. We’ll discuss your goals and priorities to find the right loan for your home. From conventional and jumbo to FHA and VA, we’ll discuss specifics and personalize the mortgage experience to fit you and your family. From our first conversation to closing day and beyond, I can’t wait to get started on your home financing journey.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

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 216-877-1249