Team Evans
Your Future Our Focus
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8885 Rio San Diego Drive, Suite 370 San Diego, CA 92108 Mobile (619) 723-7289 Tel (619) 723-7289 [email protected]
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- Conventional Loan
- Jumbo Loan
- Purchase
- Refinance
- VA Loan
We’ll be with you every step of the way
Partner with CrossCountry Mortgage – San Diego! We are an experienced and local lender serving all of San Diego, CA with the resources of America’s #1 Retail Mortgage Lender. Our team has over 40 years of combined experience helping customers finance their dream homes. We pride ourselves on open, transparent communication and quick turn times. We work diligently and efficiently to ensure all parties enjoy a smooth and seamless transaction.
Why Team Evans
- We Close Faster – Typical turn time is 19 days.
- We Close More – $345 million from 2017 to 2018.
- We Communicate Better – 35 touchpoints per transaction.
- We’re More Likely to Close
Team Evans has years of experience guiding Military and Veterans through the process of their VA home loan. For the last two years, Scott Evans ranked #1 in national VA loan volume by Scotsman Guide.Our team is dedicated to helping you and your family secure your homeownership dreams.
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Guides and resources
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.
Inspiration for your home loan journey
Scott’s testimonials
Meet our team
Scott Evans
- Executive Vice President
- NMLS #256163
- 8885 Rio San Diego Drive
- Suite 370
- San Diego, CA 92108
- [email protected]
- mobile 619-723-7289
- tel 619-723-7289
Justin Clark
- Sales Manager/Outside Loan Originator
- NMLS #373209
- 8885 Rio San Diego Drive
- Suite 370
- San Diego, CA 92108
- [email protected]
- mobile 619-318-0253
- tel 858-355-9107
- fax 858-355-9107
Ross Staback
- Originating Branch Manager
- NMLS #1500864
- 8885 Rio San Diego Drive
- Suite 370
- San Diego, CA 92108
- [email protected]
- mobile 619-807-3033
- fax 858-355-9124
Our support staff
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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.