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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
Your Local CrossCountry Mortgage Loan Officer
Scott Evans
- Executive Vice President
- San Diego, CA Mortgage Loan Officer
- NMLS # 256163
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 $5 billion in mortgage transactions throughout my career.
Since 2019 alone, I’ve personally closed more than 6,000 mortgage transactions totaling over $3 billion in volume, including nearly $1 billion in VA loans. More than 30% of my business is dedicated to serving our Military and Veterans, and I’m proud to have been top three in VA loan volume at CrossCountry Mortgage for five consecutive years. I’ve also held the rank of #1 loan originator on Zillow for San Diego County.
Over the past three years, more than 6,000 real estate agents have attended my live agent events and training programs. These events are built around practical strategies agents can immediately use in their businesses, including winning with buyers, overcoming objections, generating referrals, presenting offers more effectively, navigating financing challenges and creating more value for their clients.
I also created homebuyer seminars for Military Members and Veterans throughout California, helping educate buyers about their financing options and the path to homeownership.
At the San Diego, California branch of America’s #1 Retail Mortgage Lender, my team and I remain committed to providing an extraordinary level of service, availability, education and support to our clients and partners. We’re open for business from 8 a.m. to 9 p.m., 364 days a year — always ready to answer your call.
Scott’s Reviews
My Videos
Guides and resources
My social posts
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.
Join us for local or online event
Winning With Objections II
Tuesday, August 18, 2026 | 11:45 AM Farmer's Table, 330 F Street, Chula Vista, CA 91910Converting Today’s Buyer and Seller
Are you ready to convert more buyers and sellers by overcoming today’s most common objections?
As an agent, knowing what to say and how to say it differently will help you surpass the competition.
Join Jeremy Patterson, with the #1 mortgage lending team in the state of California and ranks among the top 10 teams nationwide, as he shares scripts for 12 new homebuyer and seller objections, in addition to the upcoming changes and how to effectively list and sell condos.
Objection Topics:
- Interest rates are too high
- Homes are overpriced
- Can’t afford renovations after buying
- Can’t compete with cash buyers
- Need to buy before selling
- How can you get me the best price and terms for my condo?
- Don’t have 20% down for a condo
- Already applied for financing and was denied
- Want to upgrade but can’t afford to
- Appraisal came in low. Now what?
- Real estate market is going to crash
- Worried about the economy
Seating begins at 11:45AM!
Signature Lunch will be provided for all guests
Winning With Objections II
Thursday, August 20, 2026 | 11:45 AM 28693 Old Town Front St #402, Temecula, CA 92590Converting Today’s Buyer and Seller
Are you ready to convert more buyers and sellers by overcoming today’s most common objections?
As 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 scripts for 12 new homebuyer and seller objections, in addition to the upcoming changes and how to effectively list and sell condos.
Objection Topics:
- Interest rates are too high
- Homes are overpriced
- Can’t afford renovations after buying
- Can’t compete with cash buyers
- Need to buy before selling
- How can you get me the best price and terms for my condo?
- Don’t have 20% down for a condo
- Already applied for financing and was denied
- Want to upgrade but can’t afford to
- Appraisal came in low. Now what?
- Real estate market is going to crash
- Worried about the economy
Seating begins at 11:45AM!
Signature Lunch will be provided for all guests
Winning With Objections II
Tuesday, August 25, 2026 | 11:45 AM Seasons 52, 4505 La Jolla Village Drive, San Diego, CA 92122Converting Today’s Buyer and Seller
Are you ready to convert more buyers and sellers by overcoming today’s most common objections?
As 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 scripts for 12 new homebuyer and seller objections, in addition to the upcoming changes and how to effectively list and sell condos.
Objection Topics:
- Interest rates are too high
- Homes are overpriced
- Can’t afford renovations after buying
- Can’t compete with cash buyers
- Need to buy before selling
- How can you get me the best price and terms for my condo?
- Don’t have 20% down for a condo
- Already applied for financing and was denied
- Want to upgrade but can’t afford to
- Appraisal came in low. Now what?
- Real estate market is going to crash
- Worried about the economy
Seating begins at 11:45AM!
Signature Lunch will be provided for all guests
Inspiration for your home loan journey
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.
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1. Pre-qualify for a home loan
2. Check your credit report
3. Meet with a CCM loan officer
4. Establish your homebuying budget
5. Get pre-approved
6. Work with a real estate agent
7. Find your dream home
8. Submit your mortgage application
9. Make an offer
10. Get a home inspection
11. Close your loan
12. Move into your home!
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It depends on the home loan. For example, conventional loans require a minimum credit score of 620. But VA and FHA loans may allow homebuyers to qualify with a credit score as low as 500. It’s important to note that lower credit scores often come with additional requirements or higher interest rates.
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It typically takes a few months to buy a home. The exact length of the process will depend on the market, home and other financing factors.
At CrossCountry Mortgage, we’re dedicated to making the mortgage side of homebuying smooth and stress-free – offering full approvals quickly through our FastTrack program.
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First, let’s see if you qualify for certain government-back loans. If you are a Veteran or Service Member, VA loans require 0% down. Same goes for rural homebuyers with USDA loans.
Second, talk to a CCM loan officer about local, state and national down payment assistance programs that may cover your down payment costs.
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That is more about you than the market! You’ll want to consider if you are ready to take on the homebuying process and then calculate your purchasing power with a CCM loan officer. Once you know your homebuying budget, it’s time to house hunt and explore your desired community for the home of your dreams.
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Before you find your dream home, it will help to have:
- Your credit score
- Proof of employment and income
- Cash or assistance for a down payment
- The right loan
- A homebuying budget
- An expert real estate agent
- Your dedicated CCM loan officer