Brandon Carroll - Cross Country Mortgage

Brandon Carroll - Cross Country Mortgage Whether you are looking to purchase or refinance, simply seeing a loan from start to closing is not enough.

Brandon Carroll
Executive Loan Advisor
NMLS #1385135
CrossCountry Mortgage – NMLS #3029 l License
Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Having worked with the Top Producing purchase money lending Team at RPM Mortgage since 2012, now Cross Country Mortgage, Brandon has a wealth of finance knowledge and established

experience with ensuring those he works with are given the utmost care throughout the home loan process. Providing his clients with detailed information on not just what they qualify for, but advising on what they are uniquely comfortable with given their home buying goals and all options available is a necessity. Constant proactive communication throughout the process so that his clients are well informed every step of the way are a staple to his business model. Finally, delivering a concierge level of service is not just a goal, but a promise. - Brandon Carroll Executive Loan Advisor NMLS #1385135 - CrossCountry Mortgage NMLS #3029 Equal Housing Opportunity

08/17/2026

🏡🎉 HUGE CONGRATULATIONS TO JAZMIN & CARLOS!!! 🎉🔑❤️

There is something incredibly special about watching first-time homebuyers go from imagining the possibility of homeownership to officially being IN CONTRACT on a home of their own. 👏🏡

And Jazmin & Carlos are doing it with an incredible setup:

✨ Only 3% down
✨ $15,000 seller credit
✨ 2-1 temporary rate buydown
✨ Interest rate 2% lower during year one
✨ Interest rate 1% lower during year two
✨ Approximately $15,000 in payment savings over their first two years 🙌

That $15,000 seller credit isn’t just a number. It gives them breathing room during those first two years (while ideally looking to refinance in the near upcoming few years when the market allows it to happen🤞) while they settle into their new home, build memories, and begin this next chapter together. 🍾

Jenn Renee Schmidt and I could not be more excited for these two. We are so grateful to be trusted with such an important moment in their lives, and even more excited to watch them get the keys to their first home in Antioch! 🔑🥂🏠

Congratulations, Jazmin & Carlos!!! You’re officially on your way HOME. 🎊❤️🔑

11/05/2025

Realtors… this one can end your deal before you even write the offer.

I’m talking about the Solar Deal Killer ☀️ — the one detail that turns a “ready to close” file into “dead on arrival.”

I’ve seen agents lose deals over sunlight. Literally.

Here’s the part nobody catches:
1️⃣ UCC-1 lien = red flag
2️⃣ Subordination = your fix
3️⃣ Timeline + fee = your leverage

Save this now — not because I said so, but because you’ll be the one who looks brilliant when someone else’s deal falls apart and you already knew why.

☀️ “Solar Deal Killer” — add it to your vocabulary before it adds days to your escrow.

10/26/2025

🔥 Realtors — here’s a hack most lenders never tell you:
Your college history can actually be enough to count as employment history for a mortgage. 🤯

That means recent grads don’t always have to wait years to buy. You can qualify sooner than you think.

Persistence isn’t just my thing in business — it’s how I turn “not yet” into “yes now.” 🏡

👉 Drop a 🎓 if you already knew this so I know I need to step my video topics up… or drop a 🏠 if this was new and you’re already thinking of someone who’d benefit too.

09/25/2025

📢 Realtors‼️— rates are NOT one-size-fits-all. 🏡
A buyer with a 780 score and one with a 680 can look identical on paper — same income, same assets, same loan amount — but their rates? Night and day.

Here’s why: mortgage rates are tied to perceived risk. If you lent me $500,000, you’d charge me more if you thought there was a chance I wouldn’t pay you back. Mortgage investors do the same.

I built my career on trust and transparency — no fine print, no ‘glitter and gold’ gimmicks. Because nothing kills trust faster than pretending every rate is the same.

👉 If you already knew this, comment 👊.
👉 If it made you double-take, save it for later.
Either way, this one’s Realtor gold.

09/12/2025

So your spouse likes to flex 💎🚘🍾 And you thought their debt wouldn’t matter since they’re not on the loan? ❌ Wrong. In California (and other community property states), FHA & VA loans pull **ALL** spousal debts into the equation — even if they’re not on the loan. 💡 Example: You make $10k/month. FHA caps you at ~57% DTI. That means $3,900 max for mortgage… but if your spouse has $950/mo in car + card payments? ➡️ Your buying power just dropped by $160,000+. ⚠️ Realtors: THIS is why deals blow up last minute. This is the kind of detail that makes or breaks your escrow. 📩 DM me “HELLA” and I’ll show you exactly how to calculate this for your clients in 30 seconds.

08/26/2025

✨ “Only 3% Down. Zero Mortgage Insurance. 💥”
Yes, it’s real. Most buyers think you need 20% down and will be stuck paying PMI forever… not true.

➡️ With the right programs, you can get into a home with just 3% down AND skip the MI.
➡️ That’s more buying power, less monthly payment, and thousands saved over the life of your loan.

🎯 Realtors: imagine how much easier it is to get your buyers off the fence when you can say no PMI required.
🏡 Buyers: imagine owning sooner without the PMI penalty draining you.

🔥 I’ll show you exactly how it works and who qualifies. DM me the word NO MI and I’ll break it down step-by-step.

#️⃣

Address

3240 Stone Valley Road West
Alamo, CA
94507

Telephone

+19253890691

Website

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