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  • 2555 E Camelback Road, Suite 850 Phoenix, AZ 85016 Tel (480) 818-6222 Lizy@ccm.com
Your Local CrossCountry Mortgage Loan Officer

Lizy Hoeffer

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  • CO-CXO
  • Phoenix, AZ Mortgage Loan Officer
  • NMLS #260183
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I’ll be with you every step of the way

Hi, I’m Lizy Hoeffer, and I’m proud to be ranked the No. 1 female loan officer in the nation for most closed loans (Scotsman Guide, 2018) and the No. 1 Hispanic loan officer in the nation (NAHREP, 2018). With over 16 years of mortgage industry experience, I’ve worked my way from a receptionist to a top 1% originator, closing over 800 loans in 2018. At the Phoenix, AZ branch of America’s #1 Retail Mortgage Lender, I help clients every day with passion—because passion changes everything.

Our team is driven by a passion for our clients, the mortgage process, and our business partners. We set ourselves apart through client education, finding the best products, and offering competitive rates with on-time closings.

In my Phoenix, AZ community, I volunteer with St. Mary’s Food Bank and lead the White Envelope Project, a homeless awareness campaign. At home, I enjoy life with my husband, Skyler, and our three children, Anabelle, Penelope, and Calvin.

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

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Friends enjoying dinner in an updated kitchen after completing home improvements with the help of CCM Equity Express.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

Buying Now Means Saving Later

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line. 

Your free rate quote

For full terms and conditions, visit ccm.com/buynowrefilater

Tap into your home equity – fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity. 

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days. 

Get Started – Fixed Get Started – Flex

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

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Frequently asked questions

  • Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.

    Learn more

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