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Your Local CrossCountry Mortgage Loan Officer

Javier Kato, CMA

  • Loan Officer
  • Brooklyn, NY Mortgage Loan Officer
  • NMLS # 2230547
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1 in 35 homes is a CCM home

Hi, I’m Javier Kato, a bilingual English and Spanish loan officer serving homebuyers, homeowners and real estate investors throughout New York and New Jersey. I help clients across Brooklyn, Queens, Manhattan, Long Island, Staten Island, Orange County, NY, Dutchess County, NY, Hudson County, NJ, Essex County, NJ and Union County, NJ navigate the mortgage process with confidence.

Whether you’re a first-time homebuyer, purchasing a co-op or condo, refinancing, buying a multi-family property or investing in real estate, I’ll provide personalized mortgage guidance tailored to your goals.

I specialize in FHA loans, conventional mortgages, low down payment programs, co-op and condo financing, loans for self-employed borrowers, DSCR loans, investment property financing and refinancing. My focus is on education, transparency and clear communication, helping clients understand their options from pre-approval through closing.

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Better Business Bureau Award Scotsman Guide Top Workplaces 2026 2025 Scotsman Guide Top Mortgage Lenders Award 2025 The Plain Dealer Top Workplaces Award

Javier’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.

Should you buy a house or keep renting?

Enter the basic terms for a purchase loan and your current rent payment/expenses to calculate total cost comparisons and see projected 30-year savings for a purchase.

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.

A family takes their first family photo on the porch of their new home thanks to CCM Smart Start.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

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?

Get Pre-approved

First-Time Homebuyers – Get up to $4,000!

There’s no greater feeling than moving into your first home. Getting the keys, opening the front door, making the home your own – all things we want you to experience! 

CCM Smart Start will contribute up to $5,250 toward those good feelings. With CCM Smart Start, we’ll cover 2% of the purchase price (up to $5,250) for the down payment so your homeownership dream can come to life. 

For terms and conditions, visit crosscountrymortgage.com/mortgage/loans/down-payment-assistance/ccm-smart-start/

Get Started

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

Contact me

Inspiration for your home loan journey

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First-time homebuyers calculating how much down payment is needed on a house.

Down Payment: How Much Do You Need for a House?

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How to Read a Credit Report

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Red brick modern farmhouse with wraparound porch and gabled roof showcasing a timeless home style.

Types of Homes: Find Your Home Style

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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.

    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

Get Preapproved

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