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  • 1906 Flatbush Avenue, Storefront Brooklyn, NY 11210 Mobile (718) 208-3332 Javier.Kato@ccm.com
Your Local CrossCountry Mortgage Loan Officer

Javier Kato

  • Loan Officer
  • Brooklyn, NY Mortgage Loan Officer
  • NMLS #2230547
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America’s #1 Retail Mortgage Lender

Hi, my name is Javier, and I’m carving my way to being one of New Jersey and New York’s most dependable mortgage professionals! I provide exceptional service to real estate agents and homebuyers, offering an honest and personalized approach where my clients enjoy a high level of attention, mortgage education, and guidance throughout the process. I enjoy working with first-time homebuyers, especially because I enjoy working closely and helping them understand and feel comfortable during this major life milestone of purchasing their first home. Being fluent in Spanish and English equips me to offer my services to large community of clients seeking a Spanish speaking loan officer. I offer a 5-star level experience and share my expertise and strong network of contacts including top level agents and attorneys.

When you combine these notable attributes with the wide range of loan programs and an efficient workflow offered by America’s #1 Retail Mortgage Lender, there’s no question why agents and clients continue to refer clients to me. From application to closing and beyond, I look forward to providing professional mortgage and homebuying guidance on your journey to homeownership.

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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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A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

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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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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Inspiration for your home loan journey

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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.

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