Jon Tober, NMLS #212945, CrossCountry Mortgage

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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.

10/28/2026

The biggest opportunity in today's housing market might be the one most buyers are overlooking. 🏡

With fewer people actively shopping for homes, financially prepared buyers may have an advantage they wouldn't have in a more competitive market.

But taking advantage of that opportunity starts before you ever make an offer.

In this video, Jon talks about why choosing the right mortgage company matters. There's a difference between simply applying for a loan online and working with a lender who takes the time to understand your financial situation, explain different programs, and help you build a strategy.

Having consistent employment, a solid savings history, and a realistic understanding of what you can afford can put you in a much stronger position.

And when you combine that preparation with a market that has less competition, you may find opportunities that weren't available when everyone was fighting over the same homes.

The right lender. The right preparation. The right opportunity.

You don't have to wait for the market to be perfect. You just need to make sure the numbers make sense for you.



Related:
buying a home in today's market, choosing a mortgage lender, mortgage loan programs, homebuyer opportunities, mortgage preapproval, financial preparation for homeownership, stable employment history, savings for buying a home, housing market competition, mortgage planning

Jon Tober | NMLS #212945
CrossCountry Mortgage, LLC | NMLS #3029
Equal Housing Opportunity
https://f.mtr.cool/sadj78p7p4

This content is for informational purposes only and does not constitute a commitment to lend or an offer of specific loan terms. All loans are subject to credit approval, underwriting guidelines, and property eligibility. Rates, terms, and programs are subject to change without notice. Contact CrossCountry Mortgage for current loan options and qualification requirements.

10/27/2026

Have mortgage qualifications gotten easier? 🏡

In some ways, yes. Lenders have more options and programs available that can make homeownership possible for buyers in different financial situations.

But that doesn't mean everyone is automatically going to qualify.

If you're working with very little savings, a low credit score, and stretching your budget just to make the monthly payment work, getting approved can still be challenging.

And that's not necessarily a bad thing.

Qualifying for a mortgage shouldn't just be about finding a way to get someone into a home. It should also be about making sure they're financially prepared to stay in that home comfortably.

That's where common-sense lending comes in.

Understanding your income, credit, savings, and long-term financial picture is just as important as finding the right loan program.

The goal isn't just getting approved. It's getting approved for something that actually makes sense for you.



Related:
mortgage qualifications, mortgage lending requirements, home loan approval, minimum credit score for mortgage, mortgage affordability, first time homebuyer, down payment requirements, mortgage underwriting, qualifying for a home loan, common sense lending

Jon Tober | NMLS #212945
CrossCountry Mortgage, LLC | NMLS #3029
Equal Housing Opportunity
https://f.mtr.cool/q7rybjcu9x

This content is for informational purposes only and does not constitute a commitment to lend or an offer of specific loan terms. All loans are subject to credit approval, underwriting guidelines, and property eligibility. Rates, terms, and programs are subject to change without notice. Contact CrossCountry Mortgage for current loan options and qualification requirements.

10/26/2026

Everyone's waiting for mortgage rates to drop. But what happens when they finally do? 🏡

Right now, higher interest rates are keeping a lot of potential buyers on the sidelines. And while that might sound like a bad thing for the housing market, it can actually create opportunities for people who are ready to buy.

Less competition can mean more negotiating power, more time to make decisions, and potentially better opportunities to work with sellers.

And with different mortgage programs available, qualified buyers may have more options than they realize.

But here's what Jon wants buyers to think about...

When rates eventually come down, more people could jump back into the market. That means more competition, potentially fewer concessions, and more pressure on home prices.

Sometimes the best opportunity isn't when everyone else is buying. It's when you're financially ready and everyone else is waiting.

The goal isn't to rush into buying a home. It's to understand your options and recognize when the market might actually be working in your favor.



Related:
mortgage interest rates, buying a home in today's market, housing market competition, buyer negotiating power, mortgage loan programs, seller concessions, home buying opportunities, real estate market trends, mortgage affordability, San Antonio housing market

Jon Tober | NMLS #212945
CrossCountry Mortgage, LLC | NMLS #3029
Equal Housing Opportunity
https://f.mtr.cool/28ve4go4os

This content is for informational purposes only and does not constitute a commitment to lend or an offer of specific loan terms. All loans are subject to credit approval, underwriting guidelines, and property eligibility. Rates, terms, and programs are subject to change without notice. Contact CrossCountry Mortgage for current loan options and qualification requirements.

10/16/2026

What happens if mortgage rates drop AFTER you buy your home? 🏡

It's one of the biggest concerns buyers have right now. Nobody wants to lock in a mortgage rate today only to see rates drop a few months later.

But here's the thing...

Rates may not drop nearly as much as some people are expecting. And even if they do, refinancing isn't automatically the best move.

Refinancing comes with costs, and those costs need to be factored into the decision. A lower interest rate doesn't always mean you're saving money in the long run.

You have to look at how much your monthly payment would decrease, what the refinance would cost, and how long it would take to actually recover those expenses.

Sometimes refinancing makes sense. Other times, the savings just aren't worth it.

The goal isn't to chase the lowest possible interest rate. It's to make financial decisions that actually benefit you.

Before you refinance, run the numbers and make sure the math works in your favor.



Related:
mortgage refinancing, refinance closing costs, mortgage interest rates, when to refinance, refinance break even point, lower mortgage payment, mortgage savings, home loan refinancing, mortgage planning, financial decisions for homeowners

Jon Tober | NMLS #212945
CrossCountry Mortgage, LLC | NMLS #3029
Equal Housing Opportunity
https://f.mtr.cool/69hnj4wnjb

This content is for informational purposes only and does not constitute a commitment to lend or an offer of specific loan terms. All loans are subject to credit approval, underwriting guidelines, and property eligibility. Rates, terms, and programs are subject to change without notice. Contact CrossCountry Mortgage for current loan options and qualification requirements.

10/15/2026

Waiting for mortgage rates to drop could end up costing you more than you think. 🏡

A lot of buyers are sitting on the sidelines, hoping interest rates will come down before making their move.

But here's something worth considering...

If rates eventually drop into the mid-to-high 5% range, you may find that some buyers can already get rates close to that today, depending on their qualifications and loan program.

And while you're waiting, home prices could continue to rise.

Lower rates can also bring more buyers back into the market, creating more competition, fewer negotiating opportunities, and potentially higher home prices.

So even if you get a slightly better interest rate later, you could end up paying more for the home itself.

The goal isn't necessarily to time the market perfectly. It's to understand your options, run the numbers, and make a decision that works for your financial situation.

Don't focus only on the rate. Look at the bigger picture.



Related:
waiting for lower mortgage rates, mortgage interest rates, home prices, housing market competition, buying a home, mortgage strategy, home affordability, real estate market trends, mortgage planning, timing the housing market

Jon Tober | NMLS #212945
CrossCountry Mortgage, LLC | NMLS #3029
Equal Housing Opportunity
https://f.mtr.cool/qvg8gy1dty

This content is for informational purposes only and does not constitute a commitment to lend or an offer of specific loan terms. All loans are subject to credit approval, underwriting guidelines, and property eligibility. Rates, terms, and programs are subject to change without notice. Contact CrossCountry Mortgage for current loan options and qualification requirements.

10/02/2026

One of the most dangerous words in real estate?

“MORE.”

More house. More bedrooms. More upgrades. More expensive neighborhood. More of everything—sometimes because we want to impress everyone except ourselves.

Jon gives a great example in this video:

Buyer #1 wants the biggest and best they can qualify for.

Buyer #2 focuses on what they actually need and chooses a home with a payment that leaves them comfortable every month.

Getting approved for “more” doesn't mean spending more is the right decision for you.

Your home should fit your life and your financial goals—not someone else's expectations.

Sometimes having a little less house means having a lot more freedom.



Related:
home affordability, mortgage payment, buying within your budget, mortgage qualification, home buying budget, financial comfort, first time homebuyer, buying a home, mortgage planning, homeownership

Jon Tober NMLS ID # 212945 | Branch NMLS ID # 2459893 | Summit Funding, Inc. NMLS ID # 3199
NMLS Consumer Access | 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 cancellation at any time and without notice. Contact Summit Funding, Inc. to learn more about mortgage products and your eligibility.

09/29/2026

Imagine selling your home… without having to give up that low mortgage rate you locked in years ago.

That's the idea behind proposed legislation that could make certain mortgages “portable”—potentially allowing homeowners to transfer the interest rate, terms, and remaining balance of their mortgage to a new property.

Sounds pretty interesting, right?

But as Jon explains in this video, the big question is in the details.

Who would qualify? Would it apply to mortgages people already have? What happens if the new home costs significantly more? How would additional financing work? Would you have to qualify again?

Those details could ultimately determine just how useful a program like this would actually be.

For now, it's a proposal—not something homeowners can take advantage of today. But it's definitely something worth keeping an eye on.



Related:
portable mortgage, MOVE Act, mortgage portability, transfer mortgage rate, low interest mortgage, mortgage rates, buying a new home, mortgage legislation, housing market, homeownership

Jon Tober NMLS ID # 212945 | Branch NMLS ID # 2459893 | Summit Funding, Inc. NMLS ID # 3199
NMLS Consumer Access | 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 cancellation at any time and without notice. Contact Summit Funding, Inc. to learn more about mortgage products and your eligibility.

09/29/2026

Who you hire to represent you matters—especially in a market like this.

There can be a big difference between working with an experienced real estate agent and someone who simply hasn't been through enough transactions or different market conditions yet.

An experienced agent has likely navigated negotiations, inspection issues, appraisal challenges, price reductions, seller concessions, and deals that don't always go according to plan.

And in today's market, having someone who knows how to navigate those situations can be incredibly valuable.

Buying a home isn't just about finding the right property. It's about having the right people around you who know how to structure the deal, negotiate on your behalf, and help you understand your options along the way.

Experience matters. Make sure you know who's representing you.



Related:
experienced real estate agent, choosing a realtor, home buying advice, real estate negotiation, buyer representation, buying a home, real estate market, mortgage planning, homebuyer tips, choosing an agent

Jon Tober NMLS ID # 212945 | Branch NMLS ID # 2459893 | Summit Funding, Inc. NMLS ID # 3199
NMLS Consumer Access | 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 cancellation at any time and without notice. Contact Summit Funding, Inc. to learn more about mortgage products and your eligibility.

09/25/2026

Getting approved for a mortgage is one thing. Being comfortable with the home you're buying is another.

Before you start seriously looking at homes, there are a few things Jon recommends having a good understanding of:

Your work history and the stability of your income. What you can realistically afford. And most importantly, what monthly payment you're actually going to feel comfortable with.

Just because you may qualify for a certain amount doesn't mean you have to spend that amount.

The goal should be finding a home and a mortgage that fit your life—not stretching your finances just to reach the top of your approval.

Know your numbers, understand your budget, and have a plan before you start shopping. It can make the entire home-buying process a lot easier.



Related:
mortgage affordability, buying a home, stable income for mortgage, mortgage qualification, home buying budget, monthly mortgage payment, mortgage planning, home loan approval, first time homebuyer, financial preparation

Jon Tober NMLS ID # 212945 | Branch NMLS ID # 2459893 | Summit Funding, Inc. NMLS ID # 3199
NMLS Consumer Access | 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 cancellation at any time and without notice. Contact Summit Funding, Inc. to learn more about mortgage products and your eligibility.

09/23/2026

Those “4 easy payments” might not feel like debt… but your mortgage lender may see things differently.

Buy Now, Pay Later services can be easy to overlook because the payments are usually small. But when you're applying for a mortgage, lenders take a much deeper look at your overall financial picture—including recurring obligations and activity that could impact your ability to qualify.

A few small payments here and there may not seem like much, but stacking multiple Buy Now, Pay Later purchases can create obligations that need to be accounted for during the mortgage process.

If buying a home is in your near future, be careful about taking on new debt or payment plans before and during the approval process.

Before you click “pay in 4,” make sure you understand how it could affect the bigger purchase you're working toward.



Related:
buy now pay later, mortgage approval, BNPL mortgage, qualifying for a mortgage, debt to income ratio, homebuyer finances, mortgage underwriting, mortgage application, credit and mortgages, home buying mistakes

Jon Tober NMLS ID # 212945 | Branch NMLS ID # 2459893 | Summit Funding, Inc. NMLS ID # 3199
NMLS Consumer Access | 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 cancellation at any time and without notice. Contact Summit Funding, Inc. to learn more about mortgage products and your eligibility.

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San Antonio, TX
78216

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Tuesday 8am - 7pm
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Thursday 8am - 7pm
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