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Your Local CrossCountry Mortgage Loan Officer

Alyssa Caliendo

  • Senior Loan Officer
  • San Diego, CA Mortgage Loan Officer
  • NMLS #1849915
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California’s #1 Retail Mortgage Lender

Hello! My name is Alyssa. Seven years ago, I joined the mortgage industry working in legal compliance after growing up around the business from a very young age. I quickly pivoted to mortgage origination, specializing in first-time homebuyers, down payment assistance, jumbo, and non-qualified mortgage programs. I’ve been recognized as a leading professional by several top publications:

· National Mortgage News Top Producer 2024, 2023

· Scotsman Guide Top Originator & Top Emerging Star 2025

· Mortgage Executive Magazine Top 1% of Mortgage Originators in America 2025, 2024

Whether this is your first home, your next home or a refinance, you’ll benefit from my holistic, client-focused approach to home financing. From our first discussion to your closing day, I look forward to providing you with second-to-none communication and customer service.

On a personal note, I have two dogs named Lucky and Moose. I love to get outside, visit a new restaurant and spend time with family and friends.

How much will my mortgage payment be?  

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 plays together peacefully knowing they found the best option to help them reach financial wellness.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

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Alyssa’s testimonials

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

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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.

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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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