Hasebi Team - CrossCountry Mortgage

05/08/2026

And you can book a time to meet with me (the regular approachable guy in the video) at the link in my bio.

Buy real estate. Grow your wealth.

05/04/2026

5.0 star review received on Experience.com for Jon Hasebi by William P - Good comunication

Click to see all 168 reviews of Jon Hasebi at CrossCountry Mortgage, Originating Branch Manager | NMLS #302427

04/30/2026

5.0 star review received on Experience.com for Jon Hasebi by Barry O - John and Nate have been great they have helped me every step of the way to get my loan done in a timely manner answered any questions I had along the way and have been very supportive you guys are awesome thank you very much

Click to see all 166 reviews of Jon Hasebi at CrossCountry Mortgage, Originating Branch Manager | NMLS #302427

04/28/2026

The idea of “perfect market conditions” sounds great until you realize they don’t really exist. Every market has tradeoffs. Lower rates can be amazing… but they can also bring intense competition, bidding wars, waived contingencies, and rising prices as more buyers rush in at once. What feels ideal on one side often creates a whole new challenge on the other.

If rates dropped dramatically tomorrow, demand would likely surge. More buyers would jump in. Inventory could tighten. Sellers could regain leverage fast. That can mean paying more for the home, competing harder to win it, and giving up negotiating power just to get under contract. Great rates do not automatically mean easy buying conditions.

And on the flip side, in a market where rates are a little higher, buyers often have advantages people overlook. Less competition. More room to negotiate. More seller concessions. More opportunities to ask for repairs or closing cost help. In many cases, buyers have more leverage than they do in a “hotter” market. That matters.

What tends to remain true over time is that real estate has historically appreciated, especially in strong long-term markets like Utah. Which is why waiting for some mythical perfect moment can keep people on the sidelines longer than they should be. The question is usually not, “When will the market be perfect?” It’s, “Does buying make sense for my goals right now?”

That is a much better question. Because smart home buying is less about predicting the perfect market and more about having the right strategy for the market you’re in.

➡️ Follow for clear guidance on navigating any market
💾 Save this post if you’ve been waiting for the “right time”
💬 Message me if you want to talk through whether buying makes sense for you right now
🔗 Click the link in my bio to schedule a consultation and build a plan

04/23/2026

(and I can't find any)

DM me to start your home buying journey!

04/20/2026

5.0 star review received on Experience.com for Jon Hasebi by Lilian B - “Thank you for all your help throughout this process. I know it takes time to complete so many papers, but it’s better to make sure everything is done correctly so we can buy a new house without future problems. Thank you for your support.”

Click to see all 166 reviews of Jon Hasebi at CrossCountry Mortgage, Originating Branch Manager | NMLS #302427

04/20/2026

5.0 star review received on Experience.com for Jon Hasebi by Cesar L - Jon, Cyntia and the rest of the Team were very knowlowdgable, profesional and friendly, they were on top of thing all the way and lept me informed of every step. gide me and help me with things I didnt know or understood. deinetly my go to for my next mortgage or refinance.

Thank you guys, you are the best

Click to see all 165 reviews of Jon Hasebi at CrossCountry Mortgage, Originating Branch Manager | NMLS #302427

04/18/2026

Make sure you're looking at all your options, talk to the Hasebi team!

04/13/2026

Make sure you're working with the right lender and not just looking at one option

Give us a call and see if you have other options!

04/06/2026

Short answer… no. Not even close.

A lot of people think you need a flawless financial profile to qualify. Perfect credit. No debt. Everything buttoned up. But that’s not how lending actually works in the real world. There are ranges, options, and different loan programs designed for different situations.

For example, many traditional loan programs can work with credit scores starting around the low 600s, and some government-backed options can go even lower depending on the scenario.
And when it comes to debt, lenders aren’t looking for zero debt. They’re looking at how your debt compares to your income, also known as your debt-to-income ratio.

On top of that, CrossCountry Mortgage offers non-QM and alternative programs that go beyond the traditional box. That includes things like:

• 1099 programs that don’t rely strictly on tax returns
• Bank statement loans that use your actual deposits and cash flow instead of W2 income
• DSCR loans for investors that focus on the property’s income instead of your personal income

These programs exist because not everyone fits into a perfect mold. Business owners, sales professionals, self employed borrowers, and anyone with non-traditional income still have real paths to homeownership.

Now, does that mean everyone automatically qualifies? No. Every loan is still subject to approval, credit, income, reserves, and full underwriting review. But the idea that you need to be perfect to buy a home is one of the biggest myths out there.

If you’ve been waiting until everything looks perfect on paper, there’s a good chance you’re closer than you think.

➡️ Follow for real mortgage education that actually helps
💾 Save this post if you’ve been unsure where you stand
💬 Message me to talk through your situation and options
🔗 Click the link in my bio to schedule a consultation and get clarity