Jon Tober, NMLS #212945, CrossCountry Mortgage

06/15/2026

Buying a new home before selling your current one can feel like a balancing act.

Many homeowners worry about timing the sale perfectly, carrying two mortgage payments, or missing out on the right home because they haven't sold their current property yet.

In this video, Jon explains how bridge loan solutions may help create flexibility during the transition. Depending on your situation, a bridge loan can provide access to equity in your current home, allowing you to purchase your next home before your existing property is sold.

The goal is to help reduce stress, create more options, and give homeowners greater control over the buying and selling process.

Every situation is unique, but understanding the tools available to you could make your next move much smoother.



Related:
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Jon Tober | NMLS ID #212945

CrossCountry Mortgage, LLC | NMLS3029 | RM.803095.000

https://f.mtr.cool/ztbrllcmrs

(https://f.mtr.cool/usqrttoriq) | Equal Housing Opportunity

This communication is for informational purposes only and is not a commitment to lend. All loans are subject to borrower and property qualification. Programs, rates, terms, and fees are subject to change or cancellation without notice. Contact CrossCountry Mortgage, LLC for additional information regarding mortgage products and eligibility requirements.

06/14/2026

Sometimes the biggest advantage of a physician loan isn't just the loan itself—it's the strategy behind it.

In this video, Jon shares the story of a physician who wanted to put a large amount of money down on a home and pay off the mortgage as quickly as possible. Instead of tying up all of that cash in one property, they explored a different approach.

By leveraging the benefits available through a physician loan program, the client was able to keep more capital working for them, purchase additional properties over time, and build a real estate portfolio that now generates rental income.

Today, that physician owns 11 properties.

Every financial situation is different, but sometimes the right mortgage strategy can help create opportunities that go far beyond buying your first home.

That's why understanding all of your options—including physician loan programs, conventional financing, and long-term wealth-building strategies—can make a huge difference.





Related:
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06/13/2026

Just matched for residency or accepted a new physician position in another city?

One of the biggest questions many doctors have is: "How am I supposed to buy a home if I haven't even started my new job yet?"

The good news is that physician loan programs may allow qualified doctors to purchase a home before their new position officially begins, helping make the transition into a new city much smoother.

Instead of scrambling to find temporary housing, many physicians are able to explore homeownership options while preparing for the next chapter of their careers.

Every situation is unique, but if you're relocating for residency, fellowship, or a new physician position, it's worth exploring what options may be available to you.



Related:
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Jon Tober NMLS ID # 212945
This communication is for informational purposes only. This is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancelation at any time and without notice. Contact Summit Funding, Inc. to learn more about mortgage products and your eligibility.

06/02/2026

Becoming a physician takes years of hard work, dedication, and sacrifice. Unfortunately, many doctors find themselves facing unique challenges when it comes to buying a home, especially during residency or early in their careers.

That's where physician loan programs can help.

Whether you're currently in residency, just starting your medical career, or have been practicing for years, physician loans are designed to help make homeownership more accessible by addressing some of the obstacles medical professionals commonly face.

If you're a physician and wondering what options may be available to you, let's have a conversation and explore the right path toward homeownership.



Related:
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05/29/2026

**A lot of physicians think buying a home has to wait until “later.” 🩺🏡**

The reality is, many doctors face unique challenges early in their careers — especially during residency. Lower income during training combined with high student loan debt can make the process feel overwhelming.

✔️ Doctor loan programs are designed specifically for physicians
✔️ They can help work around high student loan balances
✔️ Some programs offer low down payment options
✔️ It creates opportunities for buyers who may not fit traditional loan guidelines

The goal is understanding the strategy and finding the right path forward for your situation.

Shoutout to for the conversation and collaboration 🤝



Related:

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**Jon Tober NMLS ID # 212945 | Branch NMLS ID # 2459893 | Summit Funding, Inc. NMLS ID # 3199 | https://f.mtr.cool/zpegyrqepp
[www.nmlsconsumeraccess.org](https://f.mtr.cool/mginzfvwrz | Equal Housing Opportunity

This communication is for informational purposes only. This is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancelation at any time and without notice. Contact Summit Funding, Inc. to learn more about mortgage products and your eligibility.

05/27/2026

Physicians: most have no idea this many loan options exist.

If you’re a doctor, resident, fellow, or medical professional, you may be able to buy a home with little to no money down even with significant student loan debt.

The reality? Most lenders don’t fully understand physician financing… and many medical professionals end up being overqualified but underapproved.

With rates, seller concessions, and negotiating power still creating opportunity for buyers, this window may not stay open forever. Once the market shifts, flexibility disappears fast.

In this video, Raul Jimenez with the The Schrader Group and mortgage expert Jon Tober break down:

✔️ How physician loans work

✔️ Common mistakes doctors make when financing

✔️ How future income and student loans are viewed

✔️ Strategies that can preserve cash flow early in your career

If you’re planning a move, starting residency, relocating for a new position, or simply want to understand your options before the market changes, this is worth watching.

▶️ Watch the full video below.

If you’re a doctor, resident, fellow, or medical professional think...

05/25/2026

**One of the most interesting things about helping people buy homes? There’s no “perfect” age to start. 🏡**

Some clients buy their first home in their 20s. Others wait until later in life. And honestly? Both journeys are equally rewarding to be a part of.

✔️ Everyone’s timeline looks different
✔️ Some people start early and grow into bigger homes later
✔️ Others wait until life, career, or family feels more stable
✔️ The important part is creating a plan that fits *your* life — not someone else’s

Homeownership isn’t a race. It’s about finding the right moment and the right strategy for you.

📲 DM me **“START”** and let’s talk about where you are in your journey.



Related:

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05/24/2026

**One of the biggest mistakes first-time buyers make? Thinking their first home has to be their forever home. 🏡**

A lot of buyers put pressure on themselves to find the “perfect” house right away… but that’s usually not how real estate works.

✔️ The average first-time homeowner stays in their home around 5–7 years
✔️ Your first home is often a stepping stone, not the final destination
✔️ Building equity early creates more options later
✔️ Sometimes the smartest move is simply getting into the market

Your first home doesn’t need to be perfect — it needs to help move your future forward.

📲 DM me **“FIRST”** and let’s talk about what your first step could look like.



Related:

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**Jon Tober NMLS ID # 212945 | Branch NMLS ID # 2459893 | Summit Funding, Inc. NMLS ID # 3199 | https://f.mtr.cool/osrdurjhyo
[www.nmlsconsumeraccess.org](https://f.mtr.cool/ogqeptydyq | Equal Housing Opportunity

This communication is for informational purposes only. This is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancelation at any time and without notice. Contact Summit Funding, Inc. to learn more about mortgage products and your eligibility.

05/23/2026

**There’s a difference between being financially ready… and emotionally ready to buy a home. 🏡**

A lot of buyers focus only on the numbers — but both sides matter when making one of the biggest decisions of your life.

✔️ Financially ready means understanding your income, bills, and monthly comfort zone
✔️ Emotionally ready means not rushing into a home that doesn’t truly fit your needs
✔️ Buying under pressure can lead to regret later
✔️ The right timing is when both your finances *and* your mindset align

A smart home purchase isn’t just about getting approved — it’s about feeling confident in the decision long after closing day.

📲 DM me **“READY”** and let’s talk about where you stand in the process.



Related:

financially ready to buy a home, emotionally ready for homeownership, first time home buyer Texas, San Antonio mortgage broker, home buying mindset, mortgage planning San Antonio, buying a house the right way, mortgage loan officer San Antonio

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**Jon Tober NMLS ID # 212945 | Branch NMLS ID # 2459893 | Summit Funding, Inc. NMLS ID # 3199 | https://f.mtr.cool/sfhersmpjw
[www.nmlsconsumeraccess.org](https://f.mtr.cool/mltqebnzzj | Equal Housing Opportunity

This communication is for informational purposes only. This is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancelation at any time and without notice. Contact Summit Funding, Inc. to learn more about mortgage products and your eligibility.

05/18/2026

Realtor Friends!
This Wednesday, May 20th!
Stop Chasing. Start Attracting!

Build the Right Audience. Create Better Conversations. Turn More Relationships Into Contracts.

In today’s market, the agents who win are not always the ones working the hardest, they are the ones creating the right message, in front of the right people, at the right time.

This class is built to help Realtor partners attract more of the clients they want to work with, instead of feeling like they are constantly chasing cold leads, dead-end conversations, or people who are “just looking.”

What we’ll cover:

✅ Who to target

Know exactly who your best opportunities are.

✅ How to target them

Create a simple plan to stay visible with the people most likely to buy, sell, or refer.

✅How to build attraction with your database and target audience

Stay top of mind without sounding salesy.

✅ Crafting messages that turn conversations into contracts

Learn how to create conversations that feel natural and lead to real business.

Why you should attend:

Because your next closing may already be sitting in your phone, your database, or your social audience they just need the right message at the right time.

Whether you’re a seasoned agent looking to create more momentum, or a newer agent wanting to build confidence and consistency, this class will give you practical ideas you can use immediately.

Seats are limited, don’t wait.

Wednesday, May 20th
10:00 AM
RSVP Today

Sophear Wilson: [email protected]
Jon Tober:
[email protected]