California Mortgage Lender

The Stowers Team

262 Town Center Parkway, Suite 101
Santee, CA 92071

Phone
(619) 478-6975 (619) 478-6975
Email
[email protected]
Fax
858-988-4170

NMLS #2184028

CrossCountry Mortgage Office in Santee, CA

MEET YOUR LENDING TEAM

Build prosperity with a proactive real estate strategy.

Meet the home loan team that has your back and best interest at heart. We work together using our combined expertise to close your loan quickly and smoothly. Our mission is to help you grow and manage your real estate portfolio, from your starter home to your retirement home — and all the investment properties in between.

Our Process

1. Strategize.

We want to learn about your dreams and goals so we can strategize together and find the best loan options for you now — and in the future.

2. Apply.

Our secure digital process makes it easy and simple to collect the documentation we need, giving you peace of mind for current and future transactions.

3. Meet your loan partner.

Our loan partners serve as your personal concierge throughout the mortgage process. They’ll finalize your loan documents, walk you through the signing and wire transfer process, and ensure you enjoy a quick closing.

4. Close.

Our service doesn’t stop when we close your loan. We’ll follow up with you to make sure you’re satisfied with the transaction and answer any questions. We’ll also be watching out for opportunities in the future to lower your interest rate and payment, or access your equity to achieve the next step in your financial plan.

Loan Options

We can help you.

  • Buy a home

    We offer competitive rates, loans with low down payments, and down payment assistance.

  • Renovate

    Whether you’re remodeling your dream home or building an accessory dwelling unit (ADU) or rental unit, we’re the most experienced team to help.

  • Refinance

    Reduce your interest rate and monthly payment. Or cash out equity to pay down debt, purchase a new home, pay for education, or splurge on something special.

  • Invest

    Work with us to build and manage your real estate portfolio to create passive income.

Expert advice at every turn.

Our leadership team brings years of real estate financing experience. We know home loans!

We are committed to providing you with the best customer service in the industry. Every day we help homeowners just like you achieve their home financing goals while providing the guidance and technology for a fast, stress-free process with no surprises.

The biggest purchase of your life deserves the attention of the best mortgage professionals. Our licensed loan officers bring decades of proven performance and integrity to the table. The entire team collaborates to close your loan quickly, and our sole focus is to help you achieve your homeownership goals while keeping you informed throughout the process.

Meet Our Loan Officers

Your Loan Officers Here to Help

Meet Our Team

At Your Service & Here to Help

A young couple preparing their ADU for their parents

Specialists in ADUs

There’s a lot of talk about ADUs. You might want a place for an elderly relative to live close to you. You could be looking for extra income from a rental. Maybe you need a quiet office to work from home.

The accessory dwelling unit, or ADU, goes by many names: in-law unit, secondary dwelling unit, granny flat, or carriage house. An ADU can be attached to the house or a stand-alone unit, and has its own kitchen, living area, and a separate entrance. Whatever your plans, you’ll probably need financing. That's where we come in.

ADU Coalition Founding Members logo
Learn More About ADUs
A military family playing in their home

Military Families and Veterans

As a former Military family and founders of Operation Homefront, we take special care of Servicemembers, Veterans and their spouses. We have personally built real estate prosperity using each PCS as an opportunity to buy, hold, or flip properties — and we can guide you through your journey. Need a trusted expert at your new duty station? We’ve got you covered. We know your challenges and won’t hassle you with extra obstacles.

How We Can Help.

Buy.

It begins with your first home purchase, whether alone, with your spouse, or with your buddies. Servicemembers and Veterans are eligible for VA loans, which allow you to buy a primary home with no down payment.

Grow.

As you move to new active duty stations, we can strategize on the best options to buy, hold, or flip. We can help you achieve financial freedom through passive income on real estate investments.

What Our Clients Say

Meredith and Michael helped me secure a loan on a property very quickly. They work fast and are extremely knowledgeable in their areas. I was particularly happy with the depth of knowledge with regards to ADUs and construction loans. I will be looking to work with them in the future as well.

Manraj G.

GALLERY

Helping your home financing process go smoothly.

Our Vision — Then & Now

CrossCountry Mortgage began solely as a mortgage broker in 2003. We had the vision to become a nationwide full-service lender that could match customers with the perfect mortgage to suit their needs, provide knowledge and support every step of the way, and make their homeownership dreams possible and affordable. We've been able to achieve that vision and build upon it by helping more people each year buy homes.

Stowers Team

Here's everything The Stowers Team can offer you!

Our Mission & Goal

At CrossCountry Mortgage, our mission is simple: to provide you with the best possible advice and benefit to your financial needs while facilitating a straightforward, transparent mortgage process for buyers, sellers and real estate agents. We begin your financing process by earning your trust through knowledge and communication. You are our first priority and we pride ourselves on developing rewarding, long-term customer relationships.

How to Buy or Refinance a Home

Buying your first home is a big investment. We’re here to make the process as easy as possible and keep you informed every step of the way. Whether you’re a first-time homebuyer, are buying a luxury home, or are investing in properties to build your real estate portfolio, we can help guide you through the process toward getting that new set of keys!

How to Get a Pre-Approval

Want to be one step ahead? CrossCountry Mortgage offers our innovative FastTrack Credit Approval Program to get you credit approved before you’ve even found a home. This is the advantage you need in a competitive housing market. This program provides you with a certificate to hand sellers demonstrating your ability to buy the home in as few as 10 days after a signed purchase agreement.

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