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Alyssa Caliendo - CrossCountry Mortgage

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United States
San Diego, CA
Alyssa Caliendo - CrossCountry Mortgage

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🏘️ 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.

11/01/2026

November is National Veterans and Military Families Month, and all month long I’ll be sharing the VA home loan facts I wish more Veterans knew. ♥️

Let’s start with the one that causes the most confusion: the VA funding fee. It’s a one-time fee the VA charges to keep the loan program running, and it’s what makes benefits like no down payment and no PMI possible. Most buyers roll it into the loan, so nothing comes out of pocket at closing.

Here’s the part a lot of people miss: some Veterans and surviving spouses are exempt from the funding fee entirely, including Veterans who receive VA disability compensation. 👉️ If that’s you, it can mean a meaningful amount of money saved on your VA mortgage.

Follow along this month, and if you have a VA loan question, send it my way!! 📲

10/31/2026

If your own front door for trick-or-treaters is on the wish list for next year, I help first-time homebuyers in San Diego and Connecticut figure out the mortgage side. Reach out anytime 👻

10/27/2026

A question I hear all the time: when the Fed raises rates, do mortgage rates go up the same day? 👻

Here's the short version. The Federal Reserve sets the federal funds rate, a short-term benchmark banks use to lend to each other. Mortgage rates tend to follow the 10-year Treasury yield, which is what investors earn for lending to the government for 10 years. That yield moves with inflation and jobs reports and with what investors expect from the economy. Inflation is still running above the Fed's 2% target, so the Fed is keeping the porch light on.

What does that mean for you?
If you're buying a home, get pre-approved first so you know your real budget before you fall for a house. Once you're under contract, talk with your Mortgage Advisor about a rate lock so a jump before closing doesn't change your payment.

If you're selling, price for today's buyers. A seller credit or temporary buydown can sometimes do more for a buyer's monthly payment than a price cut.

Swipe through, then send me a message with your mortgage questions. The trickier, the better. We'll build a plan that fits your situation. 🎃📲

10/21/2026

If you've been saving hard for a down payment, first of all: that's the hard part, and you're doing it. 👏 Here's one more number worth knowing while you're at it: it's your cash to close. That's the amount you'll actually wire on closing day.

Here's everything that goes into it:
· Your down payment
· Your closing costs
· The property taxes and homeowners insurance you pay ahead of time
· The money that sets up your escrow account

Then your earnest money and any credits you negotiated with the seller come back off the top.

So it's your down payment, plus a handful of things, minus a couple of others. Totally knowable, just rarely mentioned until you're already three days out from signing, which is a stressful time to meet a new number.

I'd love for you to have yours early. Like, before you're out touring on a Saturday early, so you can shop with the real figure in your head.

Send me a DM with "CASH TO CLOSE" and I'll put your estimate together. No obligation, and honestly it's one of my favorite things to help with.

Save this for the week you go under contract!

10/16/2026

You found the street. The commute works, the neighbors wave, you can picture your whole life there. And then you walk inside and the layout is just wrong. Hang on before you cross it off...walls move, kitchens get reworked, layouts open up... What doesn't budge is the street, the drive to work, the school zone, the lot, and who lives next door.

In all the years I've done this, buyers tell me they'd change the location. I've never once had somebody say they regretted a floor plan they later fixed.

There are also financing options that let qualified buyers roll certain renovation costs into the purchase loan, so you may not need a separate pile of cash sitting there to make changes happen. Eligibility and program terms vary, and it isn't right for every buyer or every property.

Still, it's worth knowing before you pass on the right street over an oddly-placed wall.

DM me and I'll tell you whether it could work for the house you're looking at. 📲

10/08/2026

My favorite moment in this job is when a self-employed buyer finds out their tax return isn't the only way to show income 😅

Rates are up this year, and the Fed added a hike on September 16th. The piece of the rate conversation that usually gets skipped is the loan itself. Conventional, FHA, VA and USDA loans each have their own requirements and pricing, and Non-QM bank statement programs look at self-employed income a different way.

Thinking financing a home? I'll line your loan options up side by side so you can see the tradeoffs before you pick one. DM me anytime!

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

10/07/2026

Almost every first call I get opens with "what's your rate?" and I completely understand why. It's the number everybody talks about. Here's the thing though...a rate quoted without any context doesn't tell you much, because the one you saw advertised is attached to a specific scenario that probably looks nothing like yours.

So ask me these first:
✔️ What's my total cost across the years I actually plan to own this place?
✔️ What closing costs come attached to that rate?
✔️ What could change my rate between today and closing?
✔️ Which loan program fits me, and what did you rule out along the way?

That last one is my favorite question to get. When somebody wants to know what I ruled out, it means they want the reasoning and not just a number, and I love walking them through the details so they feel confident with the loan they choose.

The cheapest advertised rate and the loan that's genuinely right for you often aren't the same product. What's attached to the rate is where the real difference shows up.

DM me and let's start with the good questions.

09/30/2026

Some homebuyers get worried when they see the word "conditional" pop up in an email. A conditional approval is GOOD news (with some homework attached.)

This just means an underwriter read your file and is ready to move forward once you send back a specific list of items. And if you've worked with me and my team before, you know we walk you through every item, tell you exactly what we need, and help you get it back to us fast.

So don't let that word stress you out. Conditional approval is the normal middle of the mortgage process, NOT a red flag.

If you're thinking of buying a home and you're not sure which lender to go with, save this post. When you're ready, my DMs are open.

09/29/2026

"Clarity on requirements at each step." 🤍

Of everything in Ragavendar's review, that's the line I'd frame. Not because it's flattering, but because it's the whole job described in six words.

Most of the anxiety in a mortgage comes from not knowing what's coming. You send a document, you hear nothing, you start wondering if something is wrong. So we tell you what we need, when we'll need it, and why it matters, before you have to ask.

Nobody should be surprised at the closing table. That includes being surprised by a request for a bank statement. Ragavendar, thank you! Congratulations again. 🏡

Buying in San Diego or on the East Coast? I'm licensed in both, and I'd love to answer your questions. DM me.

Licensed in CA, CT, FL, MA, ME, NC, NH & RI.

09/28/2026

Half my clients are in San Diego. The other half are pulling on boots in Connecticut 🍂

So The Caliendo Team made a fall guide for both. Swipe for events around San Diego, West Hartford and Great Barrington, from coastal weekends to the kind of fall that ACTUALLY has leaves.

If one of these towns is on your list for next year, don't wait for business hours to start the conversation. DM me and I'll walk you through buying a home on either coast.

Make sure to save this for your next free weekend. 🎃

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

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

https://crosscountrymortgage.com/san-diego-ca-4365/alyssa-caliendo/, https://linktr.ee/alyssacaliendomortgage, https://h

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