Todd Flesner - Cross Country Mortgage

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Todd Flesner - Cross Country Mortgage • Personal NMLS238044
• Company NMLS3029
• Equal Housing Opportunity
• nmlsconsumeraccess.org When you come to me for your mortgage, I begin by listening.

I want to understand your goals and priorities so I can offer a home loan that’s right for you. You may be a first-time homebuyer or a long-time homeowner. You may be buying an investment property or looking for a renovation loan. You'll have access to a wide range of loan programs, from FHA and VA to conventional and jumbo. You are an individual and my recommendations will respect your unique circumstances. Communication is key, and sharing information is as important as listening. I will make sure you know what’s happening with your mortgage as it progresses through the process and will be available to answer your questions. I’ll be with you every step of the way, from application to closing and beyond. Whether you are buying, refinancing, or renovating, I am ready to give you the outstanding home loan experience you deserve. As an advocate and educator I co-authored “Mortgages Made Easy: A Guide To Understanding Today’s Complex and Sometimes Confusing Mortgage Market”. The book provides practical advice to those considering a mortgage and arms them with important questions to ask during the process. I earned a bachelor’s degree in recreation with an emphasis in non-profit management from Arizona State University. And prior to entering the mortgage industry in 1999, enjoyed a 14-year career with the YMCA. Equal Housing Opportunity Lender

Cash offers continue to play a big role in today’s market. Even for buyers considering going financing-free, a conversat...
10/14/2026

Cash offers continue to play a big role in today’s market. Even for buyers considering going financing-free, a conversation with a loan officer can lay out all the options.

That’s a biiiiig question. Our Rent vs. Buy calculator can help you start answering it. Find it here: http://spr.ly/6186...
10/13/2026

That’s a biiiiig question. Our Rent vs. Buy calculator can help you start answering it. Find it here: http://spr.ly/6186BGSSva

10/12/2026

Enjoy every step forward.

The typical first-time homebuyer is 40. And there are fewer of them. What’s available to help them overcome barriers — r...
10/09/2026

The typical first-time homebuyer is 40. And there are fewer of them. What’s available to help them overcome barriers — real and perceived — to become homeowners? Find out what’s really going on in our article: http://spr.ly/6181BGfj6Z

Ready to get the green light on homebuying? CCM ZeroDown helps eligible borrowers purchase a home with $0 down, so a dow...
10/08/2026

Ready to get the green light on homebuying? CCM ZeroDown helps eligible borrowers purchase a home with $0 down, so a down payment doesn’t have to keep you waiting. Contact us to learn more!

Before You Cut the Price… Consider the Strategy. 🏡When a home isn't selling, the first conversation is often: “Should w...
10/07/2026

Before You Cut the Price… Consider the Strategy. 🏡

When a home isn't selling, the first conversation is often: “Should we reduce the price?”

Sometimes that's absolutely the right move. But a seller-paid temporary rate buydown may create substantially more immediate buying power than using those same dollars for a price reduction.

With a 3-2-1, 2-1 or other temporary buydown, the seller contributes funds at closing that reduce the buyer's mortgage payment during the early years of homeownership.

That can help a buyer ease into the payment while giving the seller another way to make the property more attractive—without automatically reaching for the price-cut button.

And here's an important part of the strategy: if the buyer refinances or sells before all of the buydown funds have been used, the remaining funds are generally applied according to the loan's buydown agreement rather than simply disappearing.

The question isn't just, “How much should we reduce the price?” It's “How can we use those dollars to create the most value?”

🎥 Watch my short video: http://spr.ly/6183BG2mPL

Have a listing considering a price reduction—or a buyer struggling with today's payment? Let's run the numbers before deciding.

Everyone’s down payment is different. Wherever it comes from and however much it is, we can help build a financing strat...
10/07/2026

Everyone’s down payment is different. Wherever it comes from and however much it is, we can help build a financing strategy around it.

Refinancing comes in lots of shapes and sizes. Curious if a cash-out refi is right for you? Learn more about it: http://...
10/06/2026

Refinancing comes in lots of shapes and sizes. Curious if a cash-out refi is right for you? Learn more about it: http://spr.ly/6182BGipgr

Happiness starts with gratitude.
10/05/2026

Happiness starts with gratitude.

It wasn't the easiest month for the housing market. Buyer demand remained cautious and affordability continued to be a f...
10/02/2026

It wasn't the easiest month for the housing market. Buyer demand remained cautious and affordability continued to be a focus. That's why exploring financing options and working with knowledgeable professionals can be more important than ever. Read more: http://spr.ly/6189BGQddT

Address

1080 Minnesota Avenue , Ste. 1
San Jose, CA
95125

Telephone

+14089210669

Website

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