Jon Tober, NMLS #212945, CrossCountry Mortgage

Jon Tober, NMLS #212945, CrossCountry Mortgage Jon Tober Sr. is more than just a mortgage company. We share a common goal to BE OUR BEST and encourage all others around us to do the same.

🛫 From Mortgage Goals - Dream Outcomes
🏠 26yrs, $790+MM real estate, 5⭐️service
🎯 First Time Buyers / Investors / Business Owners
DM me the word HOME
NMLS #212945 Loan Officer in San Antonio, TX NMLS ID # 212945, Summit Funding, NMLS ID # 3199, www.nmlsconsumeraccess.org | Equal Housing Opportunity. 2135 Butano Drive, Suite 150
Sacramento, CA 95825

Summit Funding, Inc. With our YES YOU CAN mindset, we empower our partners, clients, and employees in all things.

09/16/2026

Online mortgage calculators and home-buying websites can be great tools.

But they don’t know YOU. 🏡

Sites like Zillow can give you estimates, show you homes, and help you get a general idea of what buying might look like.

What they can’t do is sit down with you and understand your actual situation.

✔️ Your income and monthly debts
✔️ Your credit and financial goals
✔️ How much you’re actually comfortable spending
✔️ Which loan options may fit your situation
✔️ What strategies could potentially help you save money
✔️ What questions you should be asking before making an offer

Buying a home is a major financial decision. An online calculator can give you a number — but it can’t have a conversation with you about whether that number actually makes sense for your family.

That’s where working with an experienced mortgage professional makes a difference.

Use the online tools. Do your research. Browse the homes.

But when you’re ready to understand what YOUR options actually look like, talk to someone who can look at the whole picture.



Related: online mortgage calculator, Zillow mortgage estimate, mortgage preapproval San Antonio, home buying advice, mortgage loan officer San Antonio, first time home buyer Texas, personalized mortgage options

Jon Tober | Loan Officer | NMLS #212945
CrossCountry Mortgage, LLC | NMLS #3029
https://f.mtr.cool/spjtn3wmvm

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 conditions are subject to change without notice.

09/15/2026

Is a higher credit score ALWAYS better when buying a home? 🤔

Technically, stronger credit is a good thing — but there’s a point where buyers can get way too focused on chasing the perfect score.

Mortgage pricing doesn’t necessarily improve equally with every single point your credit score goes up.

Depending on the loan program and pricing available, the difference between two already-strong credit scores may not have nearly the impact you expect.

✔️ Mortgage pricing can be based on credit score ranges
✔️ A few extra points may not dramatically change your rate
✔️ Your credit score is only ONE part of your mortgage
✔️ Waiting months just to chase a higher score may not always make sense

That’s why I don’t want buyers obsessing over hitting some magical credit score they saw online.

Let’s look at your actual numbers, the loan programs available to you, and whether improving your credit would meaningfully change the deal.

You might already be in a much better position to buy than you think.

📲 DM me “CREDIT” and let’s take a look.



Related: credit score to buy a house, mortgage credit score, credit score and mortgage rates, buying a home with good credit, mortgage interest rates, San Antonio mortgage lender

Jon Tober | Loan Officer | NMLS #212945
CrossCountry Mortgage, LLC | NMLS #3029
https://f.mtr.cool/pgt0c7nuvj

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 conditions are subject to change without notice.

09/05/2026

Your mortgage payment went UP… but your interest rate didn’t change. What happened? 🏡📈

For many homeowners, the answer has nothing to do with the rate on their mortgage.

If your monthly payment includes an escrow account, changes to property taxes and homeowners insurance can cause the amount you pay each month to increase.

So what can you do?

✔️ Review your property tax assessment and, if appropriate, protest the appraised value.

✔️ Review your homeowners insurance. Premiums can change significantly, so it may be worth shopping around and comparing coverage.

✔️ Check your escrow analysis. An escrow shortage can sometimes cause an additional increase in your monthly payment.

✔️ Make sure you’re receiving any property tax exemptions you may qualify for, such as a homestead exemption.

The important thing is to understand WHY your payment increased before assuming there’s nothing you can do about it.

You may not be able to control every increase, but there could be opportunities to reduce some of the costs that make up your total monthly housing payment.



Related: mortgage payment increased, why did my mortgage go up, Texas property tax protest, homeowners insurance Texas, escrow shortage, homestead exemption Texas, lowering mortgage payment, San Antonio homeowners

Jon Tober | Loan Officer | NMLS #212945
CrossCountry Mortgage, LLC | NMLS #3029
https://f.mtr.cool/mvd8bw9jcb

Equal Housing Opportunity. This communication is for informational purposes only and is not a commitment to lend. Tax, insurance, escrow, and payment circumstances vary by borrower and property. Programs, rates, terms, and conditions are subject to change without notice.

09/05/2026

One thing I’m noticing with younger homebuyers right now? They’re coming into the market more prepared. 🏡

They’ve watched mortgage rates move up. They’ve watched them come back down. They’ve seen home prices change and affordability shift.

And they’re starting to understand something important:

You can’t build your entire homebuying plan around predicting what rates will do next.

✔️ Rates can move in either direction
✔️ The market can change quickly
✔️ Your buying power can change with it
✔️ Preparation gives you options when the right opportunity comes along

The goal isn’t to perfectly time the market.

It’s to know your numbers, understand what you can comfortably afford, have your financing lined up, and be ready to make a move when it makes sense for you.

And that’s what I’m seeing from more younger buyers today.

They’re asking questions earlier. They’re learning how the process works. They’re saving. They’re working on their credit. They’re getting prepared before they find the house.

You can’t control where rates go next.

You CAN control how prepared you are when they move.



Related: younger homebuyers, first time home buyer San Antonio, preparing to buy a house, mortgage rates, home buying preparation, buying a home in Texas, San Antonio mortgage lender

Jon Tober | Loan Officer | NMLS #212945
CrossCountry Mortgage, LLC | NMLS #3029
https://f.mtr.cool/3aiqbf2qon

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 conditions are subject to change without notice.

09/02/2026

Everyone is waiting for mortgage rates to drop.

But what happens if everyone else is waiting too? 👀

It sounds counterintuitive, but a lower rate doesn’t automatically mean a better buying opportunity.

If rates fall enough to bring more buyers back into the market, you could also see:

✔️ More competition for desirable homes
✔️ Less negotiating power for buyers
✔️ Fewer opportunities for seller concessions
✔️ More pressure to make decisions quickly

Right now, buyers in many situations may have something that was much harder to find a few years ago: leverage.

You may have more time to consider a home, negotiate with the seller, ask for concessions, and structure a deal that makes sense for you.

Could rates be lower in the future? Absolutely.

But nobody knows exactly when, how much, or what the housing market will look like when they get there.

That’s why I tell buyers: buy the house when YOU are financially ready.

If rates improve later and refinancing makes financial sense, you can explore your options then.

Don’t build your entire homebuying plan around trying to perfectly time an interest rate.



Related: mortgage rates, waiting for rates to drop, San Antonio housing market, buyer negotiating power, seller concessions, buying a home in Texas, refinancing a mortgage, San Antonio mortgage lender

Jon Tober | Loan Officer | NMLS #212945
CrossCountry Mortgage, LLC | NMLS #3029
https://f.mtr.cool/9afmcmgz8l

Equal Housing Opportunity. This communication is for informational purposes only and is not a commitment to lend. Refinancing is subject to qualification and may involve costs. Programs, rates, terms, and conditions are subject to change without notice.

09/01/2026

You have $10,000 saved. Is that enough to buy a $300,000 home? 🏡

You might be closer than you think.

Let’s use a $300,000 home as an example:

✔️ 3.5% down = $10,500

But that doesn’t necessarily mean you need to write a $10,500 check from your savings.

Depending on your eligibility, down payment assistance programs may be available to help cover some or all of the required down payment.

Then there are closing costs.

If we use roughly 2.5% for this example, that’s about $7,500. In today’s market, there may be opportunities to negotiate seller contributions that can help cover eligible closing costs, depending on the transaction and loan program.

So instead of draining your entire savings account to buy a home, the right combination of financing, down payment assistance, and seller contributions could potentially allow you to keep some of that $10K in the bank.

And that matters.

Owning a home comes with unexpected expenses. Keeping some money available for repairs, moving costs, emergencies, or your “oh crap” fund can put you in a much better position after closing.

Every situation is different. Income, credit, debt, loan program, property, and assistance eligibility all play a role.

The point? Don’t disqualify yourself because you think you haven’t saved enough.



Related: buying a home with $10K saved, $300K home down payment, down payment assistance Texas, seller contributions, closing costs, San Antonio mortgage

Jon Tober | Loan Officer | NMLS #212945
CrossCountry Mortgage, LLC | NMLS #3029
https://f.mtr.cool/0k7wavtpxw

Equal Housing Opportunity. All loans are subject to borrower and property qualification. Programs, rates, terms, and conditions are subject to change without notice.

08/26/2026

Something is quietly changing in the housing market… and it’s not getting enough attention. 👀🏡

In some markets, home values have softened. Wages have increased. And buyers who have spent the last few years sitting on the sidelines are becoming more prepared.

That combination is creating a different environment for homebuyers.

✔️ Buyers have had more time to save and prepare
✔️ Some home prices have adjusted from their peaks
✔️ Income growth may be improving affordability for some households
✔️ Today’s buyers are entering the market with more knowledge and a clearer strategy

The market doesn’t have to be “perfect” for opportunities to exist.

Sometimes the opportunity comes from recognizing that the market has already started changing — before everyone else notices.

📲 DM me “MARKET” and let’s talk about what today’s market could mean for you.



Related:

San Antonio housing market, home prices San Antonio, homebuyer affordability, first time home buyer San Antonio, Texas housing market, preparing to buy a home, San Antonio mortgage lender, housing market trends, CrossCountry Mortgage

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Jon Tober | Loan Officer | NMLS #212945
CrossCountry Mortgage, LLC | NMLS #3029
https://f.mtr.cool/oimm5dcjwa

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 conditions are subject to change without notice.

08/26/2026

Can you buy a home on just ONE income? 🏡

Absolutely — having a stay-at-home parent doesn’t automatically mean homeownership is out of reach.

When qualifying for a mortgage, it’s about looking at the full financial picture and determining what makes sense based on the income available to the household.

✔️ Income and employment history
✔️ Existing monthly debts
✔️ Credit profile
✔️ Available funds and financing options
✔️ A monthly payment the family can comfortably manage

Every household looks different. One family may have two incomes, another may have one working parent — what matters is building a mortgage strategy around your actual situation.

Don’t assume you need two incomes to buy a home. Start with a conversation and find out what you can realistically qualify for.

📲 DM me “ONE INCOME” and let’s look at your options.



Related:

buying a home on one income, one income family mortgage, stay at home mom mortgage, first time home buyer San Antonio, single income home loan, qualifying for a mortgage Texas, San Antonio mortgage lender, CrossCountry Mortgage

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Jon Tober | Loan Officer | NMLS #212945
CrossCountry Mortgage, LLC | NMLS #3029
https://f.mtr.cool/yzgiocym8e

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 conditions are subject to change without notice.

08/25/2026

Totally thought my son was doing this for weeks. Turns out Amazon has access to our garage. 😂
Did you know about this?

08/24/2026

Great credit… but not much saved. Can you still buy a home? 🏡

You might be in a better position than you think.

Having strong credit can open the door to different financing options, and not having a huge amount of cash saved doesn’t automatically mean you have to put homeownership on hold.

✔️ There may be low down payment loan options available
✔️ Certain buyers may qualify for down payment assistance programs
✔️ Seller contributions can potentially help with eligible closing costs
✔️ In today’s market, some sellers may be more willing to negotiate

The important thing is not to assume you can’t buy simply because you haven’t saved a massive down payment.

Start with a conversation. Let’s look at your credit, income, budget, and available programs and figure out what may actually be possible.

📲 DM me “SAVED” and let’s talk through your options.



Related:

buying a home with little savings, good credit low down payment, first time home buyer San Antonio, seller contributions Texas, down payment assistance Texas, San Antonio mortgage lender, low down payment mortgage, CrossCountry Mortgage

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Jon Tober | Loan Officer | NMLS #212945
CrossCountry Mortgage, LLC | NMLS #3029
https://f.mtr.cool/ghsl5guc7z

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 conditions are subject to change without notice.

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