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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
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
My social posts
Guides and resources
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.
Inspiration for your home loan journey
Scott’s testimonials
Join us for local or online event
WINNING with Referrals – Luke’s on Front | 3.13.25
Thursday, March 13, 2025 | 11:45 AM Luke’s on Front, 28693 Old Town Front Street Temecula, CA 92590Are you ready to 3X your business without spending additional money on leads?
If you are truly seeking to increase your referral base business this luncheon is for you!
Seating begins at 11:45AM!
Signature Lunch will be provided for all guests
Winning With HECM
Wednesday, March 19, 2025 | 11:00 AM ZoomHECM FOR PURCHASE: Tap into a BOOMING Demographic
Did you know the average age of homebuyers in 2024 reached a record high of 56, according to NAR? In fact, consumers aged 59 and older are buying and selling more homes collectively than any other age group, purchasing over 1.4 million homes!
Unfortunately, this booming demographic is facing challenges like rising home prices and higher interest rates, creating a buying bottleneck for agents like you. But what if you could offer your clients a way to increase their purchasing power by 30–40% and have optional* monthly mortgage payments?
Join the #1 Loan Officer in California, Scott Evans, as he invites guest speaker, Jeff Cota to discover how HECM for Purchase financing can help you:
- Attract more 62+ buyers: Tap into a growing and motivated demographic
- Enhance purchasing power: Empower older clients to secure their ideal retirement home
- Streamline closings: Simplify the buying process for clients aged 62+
- Boost commissions and referrals: Establish yourself as a trusted advisor in this market
What is a HECM for Purchase?
A HECM for Purchase enables your 62+ clients to buy a home or condo by combining a one-time investment of their funds with reverse mortgage loan proceeds. Unlike traditional mortgages, monthly payments are optional — giving your clients greater cash flow and purchasing power in retirement while helping you increase closings and commissions.
WINNING with Referrals – Capital Grille | 3.20.25
Thursday, March 20, 2025 | 11:45 AM The Capital Grille, 700 West 9th Street Los Angeles, CA 90015Are you ready to 3X your business without spending additional money on leads?
If you are truly seeking to increase your referral base business this luncheon is for you!
Seating begins at 11:45AM!
Signature Lunch and FREE valet parking will be provided for all guests
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.