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Your Local CrossCountry Mortgage Loan Officer

Jhonatan Arias

  • Senior Loan Officer
  • Allentown, PA Mortgage Loan Officer
  • NMLS # 2451787
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Pennsylvania’s #1 Retail Mortgage Lender

Hi, I’m Jhonatan. I’m motivated to utilize my knowledge to the fullest to help you achieve your biggest dreams. When you work with me at our Allentown, PA branch of America’s #1 Retail Mortgage Lender, you’ll receive exceptional service and support through every step of the loan process. By taking a one-on-one approach, I’ll not only understand your financial goals and ambitions but also be an invaluable asset in accomplishing them.

Whether you’re a homeowner, first-time homebuyer, or real estate agent, I’ll exercise great care from our first conversation to closing and beyond. We’ll discuss a range of options, including conventional, FHA, VA, and USDA loans, to find the product that meets your plans. After applying, I’ll simplify the process by answering your questions and providing updates on your loan status. I want to become your trustworthy friend who helps you make informed decisions – achieving your goals today, tomorrow, and for years to come.

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Better Business Bureau Award Scotsman Guide Top Workplaces 2026 2025 Scotsman Guide Top Mortgage Lenders Award 2025 The Plain Dealer Top Workplaces Award

How much will your mortgage payment be?

Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.

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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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

Buying Your First Home Is Possible

Are you dreaming of owning your own home, but it feels impossible to get started? Navigating the homebuying process can be overwhelming, but you’re more ready than you think! 

We guide you every step of the way – simplifying the process and shaping your homebuying power, so you feel confident all the way home. 

Let’s get started

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

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Jhonatan’s testimonials

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It’s homebuying season.

In many parts of the country, spring is when homebuying ramps up. More homes come on the market & more buyers are looking. First home? Move-up home? Be ready to make your move. We’ve got you covered with fast closings and competitive rates.

Inspiration for your home loan journey

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What Is a Home Equity Line of Credit (HELOC)?

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How to Get a Home Equity Line of Credit (HELOC)

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HELOC vs. Home Equity Loan

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Frequently asked questions

  • 1. Pre-qualify for a home loan

    2. Check your credit report

    3. Meet with a CCM loan officer

    4. Establish your homebuying budget

    5. Get pre-approved

    6. Work with a real estate agent

    7. Find your dream home

    8. Submit your mortgage application

    9. Make an offer

    10. Get a home inspection

    11. Close your loan

    12. Move into your home!

  • It depends on the home loan. For example, conventional loans require a minimum credit score of 620. But VA and FHA loans may allow homebuyers to qualify with a credit score as low as 500. It’s important to note that lower credit scores often come with additional requirements or higher interest rates.

  • It typically takes a few months to buy a home. The exact length of the process will depend on the market, home and other financing factors.

    At CrossCountry Mortgage, we’re dedicated to making the mortgage side of homebuying smooth and stress-free – offering full approvals quickly through our FastTrack program.

  • First, let’s see if you qualify for certain government-back loans. If you are a Veteran or Service Member, VA loans require 0% down. Same goes for rural homebuyers with USDA loans.

    Second, talk to a CCM loan officer about local, state and national down payment assistance programs that may cover your down payment costs.

  • That is more about you than the market! You’ll want to consider if you are ready to take on the homebuying process and then calculate your purchasing power with a CCM loan officer. Once you know your homebuying budget, it’s time to house hunt and explore your desired community for the home of your dreams.

  • Before you find your dream home, it will help to have:

    • Your credit score
    • Proof of employment and income
    • Cash or assistance for a down payment
    • The right loan
    • A homebuying budget
    • An expert real estate agent
    • Your dedicated CCM loan officer
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