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Your Local CrossCountry Mortgage Loan Officer

John Cassels

  • Originating Branch Manager
  • Gilbert, AZ Mortgage Loan Officer
  • NMLS # 197076
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America’s #1 Retail Mortgage Lender

Hi, I’m Johnathan. Driven by a commitment to excellence and a passion for real estate for over 20 years, my team and I empower clients to achieve their homeownership dreams. We build strong relationships with real estate agents, builders, and industry leaders to ensure a seamless loan process.

As part of our Phoenix, AZ branch of America’s #1 Retail Mortgage Lender, I serve as the front-line contact, overseeing customer counseling, application intake, preliminary underwriting reviews, and timely submission for processing and approval. Our focus – backed by a supportive team – is on exceeding customer expectations and delivering best-in-class service from application to closing and beyond.

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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 United States Military Veteran Award

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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.

A daughter hugging her mother while she is researching mortgage opportunities in their home.
Retired woman enjoys a bike ride and her peace of mind after starting her reverse mortgage.
Military member coming home to his daughter in his VA-funded home.

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

You’ve worked hard for your home. Now it’s time to put your home equity to work for you.

A reverse mortgage allows homeowners aged 55 or older to borrow against their housing wealth while maintaining ownership, title, and control of their home.

But unlike traditional financing solutions, there is no monthly payment required on the loan — taxes, insurance, and maintenance only.

What will you do with tax-free cash from your home equity?

  • Improve cash flow and increase savings
  • Refinance or eliminate existing mortgage and consumer debt
  • Pay for healthcare expenses and long-term care
  • Finance home renovations to age safely in place
  • Buy a new home that better suits your needs
  • Create a financial safety net with a growing line of credit
Get started

*Review the Reverse mortgage requirements found on the product page for additional details.

Come Home With a VA Loan

Did you know VA mortgage loans are not only for Veterans? Qualified Active-Duty Military, National Guard, Reservists, and Surviving Spouses can take advantage of this important benefit. VA loans offer 100% financing without mortgage insurance, and the VA benefit is re-usable. 

Purchase or refinance, contact me to learn more. 

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Inspiration for your home loan journey

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A home prepared for colder weather after following tips to winterize your home.

How to Winterize Your Home

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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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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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It’s your time to buy.

Homebuying is always in season. You may be thinking of a first home. Or it could be time for a vacation home or investment property. Start now with a pre-approval and you’ll be ready to buy when you see what you want. No matter the home, we’ve got the 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.

    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.

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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.

    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

I’d love to hear from you.

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