Your Encinitas, California mortgage experts
We’ll be with you every step of the way
Based in Encinitas, CA, we’re proud to be part of America’s #1 Retail Mortgage Lender, bringing the same dedication and award-winning service under our new name, CrossCountry Mortgage. Together, we’re Chaz and Justin – a multi-award-winning team committed to excellence in everything we do, for both our clients and business partners.
We believe that home is where your story begins, and to get you there, you need experts on your side. That’s where we come in. Our goal is to make you feel like a VIP throughout the entire mortgage process. We offer a concierge-style service, managing deadlines, creating a personalized plan tailored to your goals, and ensuring you feel supported every step of the way.
Our passion is making homeownership as smooth and stress-free as possible, and we’re here to guide you with compassion, expertise, and attention to detail. Let’s work together to make your homeownership dreams a reality!





Guides and resources
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.
Inspiration for your home loan journey
Meet our team
Chaz Hinz
- SVP of Mortgage Lending
- NMLS #309521
- 169 Saxony Road Suite 101
- Encinitas, CA 92024
- chaz@ccm.com
- mobile 858-922-0645
- tel 858-922-0645
- fax 312-500-8726