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Your Local CrossCountry Mortgage Loan Officer
Oscar Originator
I’m a Scotsman Guide Top Originator
Hello, I’m Oscar, and I’ve been dedicated to the mortgage industry for 14 years. At our Cleveland, OH office, my team and I take pride in our strong relationships with agents, financial advisors, and real estate and divorce attorneys. We’re committed to helping you achieve homeownership while saving you money by matching you with the right loan product for your goals.
We work seven days a week to offer the most personalized mortgage experience possible. Whether you’re a first-time homebuyer or an experienced investor, we’re excited to assist with your unique needs. I’m well-versed in a variety of loan programs, from FHA and conventional loans to non-qualified mortgages like bank statement and DSCR loans. When you work with us, you’ll find a loan solution for nearly every situation. We look forward to meeting you and helping you with your home financing journey at America’s #1 Retail Mortgage Lender!
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Estimate the proceeds you can make from the sale of your home
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.
Frequently asked questions
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Non-QM loans use expanded home financing criteria to give borrowers income and credit flexibility. From qualifying with bank statements or 1099 income to purchasing investment properties, Non-QM loans open doors to homeownership many don’t realize are available.
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Also known as Investor Cash Flow loans, DSCR loans are designed to help real estate investors secure financing with their rental property’s cash flow. Instead of relying on personal income, DSCR loans use the debt service coverage ratio (DSCR) to qualify.
DSCR is calculated by dividing the monthly rental income by principle, interest, property taxes, homeowners insurance and association dues.
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Since Non-QM loans don’t follow traditional guidelines, they’re considered riskier. That’s why lenders often require a higher down payment, interest rate and other terms.
But Non-QM loans are a safe financing option that benefits many homebuyers. Talk to a CCM loan officer to learn what’s right for you.
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Bank Statement loans allow you to qualify for a mortgage using your bank statements instead of tax returns. These loans are designed for borrowers who have strong credit and finances but don’t have traditional income, like self-employed workers.
To qualify, you’ll use the average of your deposits over a 12- or 24-month period. If your work doesn’t provide a W-2, this may be the loan for you.
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ITIN loans give you a way to qualify for home financing without a Social Security number. Instead, your Individual Tax Identification Number (ITIN) makes homeownership possible.
At CrossCountry Mortgage, we provide numerous ways to qualify using an ITIN. Bank statements, liquid assets, 1099 income and more can all be used to buy a home with our ITIN loan.
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No. Conventional loans follow criteria established by the Consumer Financial Protection Bureau (CFPB). Non-QM loans use different standards that provide flexibility for borrowers who may not meet conventional requirements due to the type of home being purchased, financial circumstances or non-traditional income or employment.