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8885 Rio San Diego Drive, Suite 370 San Diego, CA 92108 Mobile (619) 723-7289 Tel (619) 723-7289 [email protected]
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- monday: 8:00AM – 9:00PM
- tuesday: 8:00AM – 9:00PM
- wednesday: 8:00AM – 9:00PM
- thursday: 8:00AM – 9:00PM
- friday: 8:00AM – 9:00PM
- saturday: 8:00AM – 9:00PM
- sunday: 8:00AM – 9:00PM
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- Conventional Loan
- FHA Loan
- Jumbo Loan
- Purchase
- VA Loan
Your Local CrossCountry Mortgage Loan Officer
Scott Evans
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
Scott’s testimonials
Guides and resources
My social posts
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.
Join us for local or online event
WINNING in Today’s Market – 7/10
Thursday, July 10, 2025 | 11:45 AM Green Dragon Tavern & Museum, 6115 Paseo Del Norte, Carlsbad, CA 92011Today’s buyer and seller looks for leadership, someone who can guide them with certainty, and secure the winning the offer on their behalf.
Are you looking to Win in today’s Market? If you want to learn how to incorporate a different approach and increase your value proposition to today’s buyer and seller, secure your seat today.
Topics Include:
- Motivate Today’s Homebuyer
- Strengthen the Buyer Presentation
- New Agent Negotiation Checklist
- Structure a Winning Offer
- Sell Listings Faster
- Simplify Price Reduction Conversations
- And more…
Seating begins at 11:45AM!
Signature Lunch will be provided for all guests
WINNING in Today’s Market – 7/29
Tuesday, July 29, 2025 | 11:45 AM Seasons 52, 4505 La Jolla Village Drive, San Diego, CA 92122Today’s buyer and seller looks for leadership, someone who can guide them with certainty, and secure the winning the offer on their behalf.
Are you looking to Win in today’s Market? If you want to learn how to incorporate a different approach and increase your value proposition to today’s buyer and seller, secure your seat today.
Topics Include:
- Motivate Today’s Homebuyer
- Strengthen the Buyer Presentation
- New Agent Negotiation Checklist
- Structure a Winning Offer
- Sell Listings Faster
- Simplify Price Reduction Conversations
- And more…
Seating begins at 11:45AM!
Signature Lunch will be provided for all guests
WINNING in Today’s Market – 7/31
Thursday, July 31, 2025 | 11:45 AM Fleming’s Prime Steakhouse & Wine Bar, 800 West Olympic Boulevard, Los Angeles, CA 90015Today’s buyer and seller looks for leadership, someone who can guide them with certainty, and secure the winning the offer on their behalf.
Are you looking to Win in today’s Market? If you want to learn how to incorporate a different approach and increase your value proposition to today’s buyer and seller, secure your seat today.
Topics Include:
- Motivate Today’s Homebuyer
- Strengthen the Buyer Presentation
- New Agent Negotiation Checklist
- Structure a Winning Offer
- Sell Listings Faster
- Simplify Price Reduction Conversations
- And more…
Seating begins at 11:45AM!
Signature Lunch will be provided for all guests
Inspiration for your home loan journey
Frequently asked questions
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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.
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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.
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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.
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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.
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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.