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- monday: 8:00AM – 9:00PM
- tuesday: 8:00AM – 9:00PM
- wednesday: 8:00AM – 9:00PM
- thursday: 8:00AM – 9:00PM
- friday: 8:00AM – 9:00PM
- saturday: 8:00AM – 9:00PM
- sunday: 8:00AM – 9:00PM
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- Conventional Loan
- FHA Loan
- Jumbo Loan
- Purchase
- VA Loan
Your Local CrossCountry Mortgage Loan Officer
Scott Evans
I’ll be with you every step of the way
Hi, I’m Scott Evans, and I’ve been in the mortgage industry since 2006, closing over $2 billion in mortgage transactions. Since 2016 alone, I’ve personally closed over 2,000 mortgage deals totaling $838 million, with $440 million in VA loans. More than half of my business is dedicated to serving our Military and Veterans, and I’m proud to have been named the #1 VA Lender in the U.S. by *Scotsman Guide* for two consecutive years. Additionally, I’ve held the rank of #1 Individual Lender on Zillow for San Diego County.
My commitment to helping families achieve their homeownership dreams led me to create Homebuyer Seminars for Military and Veterans statewide. At the San Diego, CA branch of America’s #1 Retail Mortgage Lender, I’m honored to continue offering top-tier service to my clients.
- #1 for VA Volume Nationwide
- #1 Loan Officer in San Diego
- $2 Billion in Closed Mortgage Transactions
- Open for business from 8:00 AM to 9:00 PM – 364 days a year
Scott’s testimonials
Guides and resources
My social posts
Should I buy a house or keep renting?
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.
Join us for local or online event
WINNING with Objections – 9/18
Thursday, September 18, 2025 | 11:45 AM Farmer's Table, 330 F Street, Chula Vista, CA 91910As an agent, knowing what to say and how to say it differently will help you surpass the competition.
Join Scott Evans, the #1 Mortgage Originator in the State of California, as he shares his unorthodox approach to overcoming the most common buyer and seller objections.
WARNING: This event is for those that want to sell more real estate.
Objection Topics:
- Interest Rates
- Waiting to Buy/Sell
- I’ll Stay Renting
- Home Affordability
- Can’t Buy Before Selling
- Listing Price Reduction
- Cut Your Listing Compensation
- Cut Your Buyer Compensation
Seating begins at 11:45AM!
Signature Lunch will be provided for all guests
Mike Ferry’s Action Workshop – 9/23
Tuesday, September 23, 2025 | 9:00 AM DoubleTree by Hilton Hotel San Diego – Mission Valley, 7450 Hazard Center Drive, San Diego, CA 92108The San Diego market remains highly competitive. Sellers are cautious, buyers are selective, and the ability to differentiate yourself as an agent has never been more important.
Join The Mike Ferry Organization for a 4-day Action Workshop in San Diego, CA, led by Ron Cronin, to gain timeless, proven methods to sharpen your skills, generate more leads, and secure more appointments.
You’ll walk away with:
- Hands-on assignments to help you book appointments in real time
- A system to strengthen lead generation and time management for long-term results
- Negotiation strategies you can implement immediately to win more listings
- Practical training in applying scripts and skills that set top producers apart
- Step-by-step guidance from a Mike Ferry-trained coach
This workshop is normally $350 per seat, but as part of Scott Evans’ commitment to giving value to his agents, it will be complimentary for all of Scott Evans’ agents.
No sugar coating. No nonsense. Just the skills, strategies, and systems you need to generate results and build momentum into 2026.
WINNING with Objections – 9/23
Tuesday, September 23, 2025 | 11:45 AM Seasons 52, 4505 La Jolla Village Drive, San Diego, CA 92122As an agent, knowing what to say and how to say it differently will help you surpass the competition.
Join Scott Evans, the #1 Mortgage Originator in the State of California, as he shares his unorthodox approach to overcoming the most common buyer and seller objections.
WARNING: This event is for those that want to sell more real estate.
Objection Topics:
- Interest Rates
- Waiting to Buy/Sell
- I’ll Stay Renting
- Home Affordability
- Can’t Buy Before Selling
- Listing Price Reduction
- Cut Your Listing Compensation
- Cut Your Buyer Compensation
Seating begins at 11:45AM!
Frequently asked questions
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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.