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Your Local CrossCountry Mortgage Loan Officer

Johanna Arias

  • Sr. Loan Officer
  • Allentown, PA Mortgage Loan Officer
  • NMLS # 908021
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I’ll be with you every step of the way

Hello! I’m Johanna Arias, a bilingual senior loan officer serving clients in Allentown, PA, and across the Lehigh Valley. I work with English-speaking and Spanish-speaking families, first-time homebuyers and investors throughout Pennsylvania, New Jersey and Florida.  

With 10 years of experience as a loan officer and 13 in financing, I specialize in DSCR, ITIN, Non-QM, bridge, foreign national, first-time homebuyer and refinance loans. My dedicated service and expertise have led to numerous industry awards: 

Scotsman Guide Top Originators (2020–2024, 2026) 

Scotsman Guide Top Women Originators (2026) 

Scotsman Guide Top Emerging Stars (2025) 

Scotsman Guide Top Originators for Most Loans Closed (2021) 

Mortgage Executive Magazine Top 50 Mortgage Originators in America (2021) 

Top Agent Magazine Cover Profile (2021) 

NAHREP Top 250 Latino Mortgage Originator (2023, 2025–2026) 

PHFA Top Producing Mortgage Originator (2024–2025) 

I’m proud to be part of CrossCountry Mortgage, America’s #1 Retail Mortgage Lender.

See What I Qualify For
Better Business Bureau Award 2025 Scotsman Guide Top Emerging Stars Award 2025 Scotsman Guide Top Mortgage Lenders Award Scotsman Guide Top Workplaces 2026 2025 The Plain Dealer Top Workplaces Award

Johanna’s testimonials

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My social posts

It’s homebuying season.

In many parts of the country, spring is when homebuying ramps up. More homes come on the market & more buyers are looking. First home? Move-up home? Be ready to make your move. We’ve got you covered with fast closings and competitive rates.

How much will your mortgage payment be?

Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.

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.

The Fed dropped its benchmark interest rate.

What does this mean for you? Mortgage rates typically move in the same direction, although they aren’t tied directly to the Fed decision.

If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refi work for you.

  • Get pre-approved for a purchase
  • Get pre-approved for a refinance
  • Calculate equity for a cash-out refi

Want to learn more about our expert take on lower rates?

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Inspiration for your home loan journey

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Person looking at home renovation plans and flooring options.

What Is a Home Equity Line of Credit (HELOC)?

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White house exterior with a front porch and black door.

How to Get a Home Equity Line of Credit (HELOC)

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Interior of a home being renovated with a HELOC loan. A ladder and paint roller in the room with unpainted walls.

HELOC vs. Home Equity Loan

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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.

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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.

    Learn more

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