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  • 2160 Superior Avenue Cleveland, OH 44114 Mobile (440) 829-7186 Tel (216) 877-1238 Raymond.Santo@ccm.com

Your Local CrossCountry Mortgage Loan Officer

Raymond Santo

  • Branch Manager
  • Cleveland, OH Mortgage Loan Officer
  • NMLS #367025
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I’ll be with you every step of the way

Hi, I’m Raymond, your dedicated real estate expert local to the Cleveland, OH market. I live in Westlake with my wife and three daughters and love to play in the same community I serve! Additionally, I’m licensed in Pennsylvania and Florida, extending my mortgage expertise to benefit other neighborhoods. I have all the connections needed to ensure a memorable mortgage experience – and I look forward to providing you with just that.

From my vast collection of loans, such as conventional, FHA, VA, and USDA, we’ll explore your options and choose the right one to meet your goals. I’ll be by your side every step of the way to answer your questions and move your home loan from application to closing. Whether you’re buying your first home, your next home, or refinancing, trust America’s #1 Retail Mortgage Lender to make your mortgage a win.

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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.

A family plays together peacefully knowing they found the best option to help them reach financial wellness.

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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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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