Alyssa Caliendo - CrossCountry Mortgage

Alyssa Caliendo - CrossCountry Mortgage 🏘️ Sr. Alyssa Caliendo | NMLS # 1849915
Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions apply. Call for details.

Loan Officer
📓 NMLS1849915 NMLS3029
📲 860.307.5785
📧 [email protected]
📍 Licensed in CA, CT, FL, MA, ME, NC, NH, RI
Equal Housing Opportunity
NmlsConsumerAccess.org NMLS3029 NMLS1849915 Branch NMLS1939196 (www.nmlsconsumeraccess.org) CrossCountry Mortgage, LLC.

09/07/2026

Mandatory November 1, 2026 but new rules are effective now. The core shift: away from requiring a signed lease ➡️ toward market rents

Happy Labor Day - or as I like to call it - 😉 I hope today looks like sleeping in, something good on the grill, binge ...
09/07/2026

Happy Labor Day - or as I like to call it - 😉 I hope today looks like sleeping in, something good on the grill, binge watching your favorite TV show, and absolutely NO productivity whatsoever.

But you know me...I'm here if you want to chat about homes, loans, or anything else!

Would you like a home instantly worth more than what you paid for it?I've helped these clients with mortgage financing i...
09/04/2026

Would you like a home instantly worth more than what you paid for it?

I've helped these clients with mortgage financing in the past, and assisting with this move-up buy was an honor! The best part? Instant equity in their new, stunning home. 🤩 The second best part? A Jumbo loan program that allows the buyers to make a large principal payment in the future & recast - that means they can lower their fixed monthly payment WITHOUT taking on the expense of refinancing.

Did you know that was even an option? If you're curious about how your mortgage financing could be structured to best suit your needs I'm always happy to talk through strategies that other lenders skip over. 👩‍🏫 Class is in session!

KEILY MIRA LAW

One of these is an opinion, and the other is a plan...☑️ Pre-qualified means you told a lender about your income, your d...
09/03/2026

One of these is an opinion, and the other is a plan...

☑️ Pre-qualified means you told a lender about your income, your debts and your savings, and they did some quick math on what you said. No documents sent in, and nobody officially checked or verified anything.

✅️ Pre-approval means somebody actually looked: pay stubs, W-2s, bank statements, tax returns, a soft credit pull...real paperwork, reviewed by a real person.

Here's where it matters (and it's not the way people expect). A listing agent gets multiple offers on a Sunday night. They're not reading your letter closely- they're scanning it for whether you look like a buyer who closes or a buyer who falls apart in week three. A pre-qualification reads like a guess, while a pre-approval reads like somebody already did the hard work.

In a market where you might get one shot at the right house, that's not a technicality...That's your offer. DM me if you're not sure which one you're holding!

Yep, you're allowed to interview me. Almost every first call opens the same way: "What's your rate?" And I get it, that'...
09/02/2026

Yep, you're allowed to interview me. Almost every first call opens the same way: "What's your rate?" And I get it, that's the number the internet talks about, but it's the least useful thing you could lead with. So here's what I'd ask if I were sitting where you are:

✔️ Which loan programs do you think fit my situation, and why those over the others?
✔️ Are we planning my mortgage strategy with both my short and long-term financial goals in mind (5+ years?)
✔️ What's my full cash to close, not just the down payment?
✔️ Who actually touches my file day to day, and who do I call when something comes up on a Friday afternoon?
✔️ How fast do you usually close, and what's the thing that most often slows it down?

A lender who's happy to sit in those questions with you is the one you want, and a lender who gets impatient and steers you back to rate is telling you something about how the rest of it will go.

Save this before your first lender call! 📲

"As first-time home buyers, my fiancé and I knew very little about this process."Nobody does. That's not a confession, i...
08/31/2026

"As first-time home buyers, my fiancé and I knew very little about this process."

Nobody does. That's not a confession, it's just the situation. You've bought zero houses, so why would you know how any of it works?

The knowledge gap between a first-time buyer and a lender is enormous, and there are two ways to handle it: one is to move fast, use the vocabulary, and let people nod along at things they don't understand because they're embarrassed to ask. The other is to slow down and explain, including the parts that seem obvious from my side of the desk, because obvious-to-me and obvious-to-you are entirely different categories. I do the second one. It takes longer, but it also means nobody signs anything they don't understand (which strikes me as a reasonable bar).

Emma also mentioned that I worked around their schedules - worth pointing out that they were buying a first home while planning a wedding, which is an ambitious amount of calendar for one year! Accommodating that was genuinely the least my team and I could do. 🏡 💍

Buying your first home in Granby or anywhere across Connecticut, Massachusetts, Rhode Island, New Hampshire, Maine, North Carolina, Florida or California? Ask me the questions you think are too basic. They're usually the important ones!

The cash buyer you're up against probably isn't Wall Street. 👀 For years the worry was the same: how do you compete with...
08/28/2026

The cash buyer you're up against probably isn't Wall Street. 👀 For years the worry was the same: how do you compete with a big investor who shows up with cash and wins the house you wanted?

Here's what's actually happening: investor home purchases just fell to their lowest level since 2020, according to Redfin. A federal law passed this summer, the 21st Century ROAD to Housing Act, put limits on the largest institutional buyers. And with price growth slowing across a lot of the country, the math stopped working for investors betting on quick gains.

That's all real, but I want to be careful about what it means for you, because the headlines are running a little ahead of the data. 📊 Those mega investors were never as big as they sounded. At their peak in 2022 they were roughly 2.4% of home purchases. A small slice, now even smaller.

Which brings me back to this graphic. 👇️ Cash buyers were still about a quarter of the market this summer. That competition didn't go anywhere, because it was never Wall Street to begin with...it's the couple down the street who sold a house they'd owned for fifteen years and rolled the equity into the next one.

Here's why that's actually good news for you: a repeat buyer with equity is beatable in a way an institution isn't. They have a house to sell, they have a timeline, and they have contingencies of their own.

You don't need to out-cash anyone. You need to out-prepare them. DM me to get started...I'll tell you more about how my team and I are helping buyers win offers right now. 📲

Real estate agents: the difference between a lender who quotes rates and a lender who closes deals usually comes down to...
08/26/2026

Real estate agents: the difference between a lender who quotes rates and a lender who closes deals usually comes down to two things - communication and problem-solving.

I try to bring both to every partnership. My background in legal compliance means pre-approvals from The Caliendo Team are thorough, not optimistic. And with programs spanning first-time buyer options, down payment assistance, jumbo, and non-QM, we can serve nearly every client you send (including the ones with complicated files).

When your lender communicates, your deals close - and your clients remember. Let's connect and talk about how I can help you win.

📍 Licensed in CA, CT, FL, MA, ME, NC, NH, RI

"She is also great at educating and guiding the buyer that might not quite be ready. She definitely sets them on the rig...
08/25/2026

"She is also great at educating and guiding the buyer that might not quite be ready. She definitely sets them on the right path."

Of everything anyone has said about my work, this is the one I'd pick! Here's the thing about the buyer who isn't quite ready: they are almost always closer than they think. Sometimes it's a few months of documentation, sometimes it's paying down one specific balance rather than spreading it around, sometimes their situation is genuinely fine and someone told them otherwise years ago and they've believed it ever since...

The easy answer is "come back when you're ready." That's not an answer - that's a dismissal wearing an answer's clothes. The useful version is: here is where you are, here is where you need to be, here is the shortest path between the two, and here's roughly how long it takes.

Some of those people buy a house within the year, and some take longer. Either way they leave the conversation knowing something they didn't know before, which is more than most people get from a phone call with a lender.

If you're somewhere between "someday" and "ready" in New Bedford or anywhere across Massachusetts, Connecticut, Rhode Island, New Hampshire, Maine, North Carolina, Florida or California, that's a perfectly good time to call!

Do what you say you're going to do. 💪🏼This was a special one! I first began working with these buyers back in Summer 202...
08/21/2026

Do what you say you're going to do. 💪🏼

This was a special one! I first began working with these buyers back in Summer 2025. They had been homeowners, sold to downsize, and rented for a year. We crafted a plan & executed it almost 12 months to the day. ✅

When it was finally time to buy again they were being solicited by different lenders. They told me that they trusted me completely & the idea of working with anyone else was unfathomable. 💙

Anyone who works in Hartford County knows how competitive this price point can be. Their agent crafted as strong of an offer as possible and I brought up the rear giving the seller a wildly detailed timeline from offer acceptance to closing day. 🤞🏼It was enough to win the home. 🏠

No rushes needed. No exceptions requested. No frantic loan approval process. Just cool, calm & collected action. Our clients are thrilled to be in their new home which has the perfect amount of space for their beloved pup. 🐶

A pleasure working with these agents, as always!

Address

12750 High Bluff Drive, Suite 100
San Diego, CA
92130

Opening Hours

Monday 8am - 9pm
Tuesday 8am - 9pm
Wednesday 8am - 9pm
Thursday 8am - 9pm
Friday 8am - 9pm
Saturday 8am - 9pm
Sunday 8am - 9pm

Telephone

+18603075785

Website

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