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Your Local CrossCountry Mortgage Loan Officer

Scott Evans

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

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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. 

Your free rate quote

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. 

Contact me

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. 

Start here

Join us for local or online event

WINNING with Objections – 9/17

Wednesday, September 17, 2025 | 11:45 AM Luke’s on Front, 28693 Old Town Front Street #402, Temecula, CA 92590
Register
Are you ready to convert more buyers and sellers by overcoming today’s most common objections?

As an agent, knowing what to say and how to say it differently will help you surpass the competition.

Join Scott Evans, the #1 Mortgage Originator in the State of California, as he shares his unorthodox approach to overcoming the most common buyer and seller objections.

WARNING: This event is for those that want to sell more real estate.

Objection Topics:

  • Interest Rates
  • Waiting to Buy/Sell
  • I’ll Stay Renting
  • Home Affordability
  • Can’t Buy Before Selling
  • Listing Price Reduction
  • Cut Your Listing Compensation
  • Cut Your Buyer Compensation

Seating begins at 11:45AM!

Signature Lunch will be provided for all guests

WINNING with Objections – 9/18

Thursday, September 18, 2025 | 11:45 AM Farmer's Table, 330 F Street, Chula Vista, CA 91910
Register
Are you ready to convert more buyers and sellers by overcoming today’s most common objections?

As an agent, knowing what to say and how to say it differently will help you surpass the competition.

Join Scott Evans, the #1 Mortgage Originator in the State of California, as he shares his unorthodox approach to overcoming the most common buyer and seller objections.

WARNING: This event is for those that want to sell more real estate.

Objection Topics:

  • Interest Rates
  • Waiting to Buy/Sell
  • I’ll Stay Renting
  • Home Affordability
  • Can’t Buy Before Selling
  • Listing Price Reduction
  • Cut Your Listing Compensation
  • Cut Your Buyer Compensation

Seating begins at 11:45AM!

Signature Lunch will be provided for all guests

WINNING with Objections – 9/23

Tuesday, September 23, 2025 | 11:45 AM Seasons 52, 4505 La Jolla Village Drive, San Diego, CA 92122
Register
Are you ready to convert more buyers and sellers by overcoming today’s most common objections?

As an agent, knowing what to say and how to say it differently will help you surpass the competition.

Join Scott Evans, the #1 Mortgage Originator in the State of California, as he shares his unorthodox approach to overcoming the most common buyer and seller objections.

WARNING: This event is for those that want to sell more real estate.

Objection Topics:

  • Interest Rates
  • Waiting to Buy/Sell
  • I’ll Stay Renting
  • Home Affordability
  • Can’t Buy Before Selling
  • Listing Price Reduction
  • Cut Your Listing Compensation
  • Cut Your Buyer Compensation

Seating begins at 11:45AM!

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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