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Your Local CrossCountry Mortgage Loan Officer

Jo-Ann Temple

  • Loan Officer
  • Roseville, CA Mortgage Loan Officer
  • NMLS # 2100067
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I’ll be with you every step of the way

I’m Jo-Ann Temple, a loan officer with CrossCountry Mortgage, serving clients throughout the Lehigh Valley and across Pennsylvania. I’m passionate about helping homebuyers, homeowners and real estate investors navigate the mortgage process with clarity, confidence and a strategy tailored to their goals.

I take a personalized, education-driven approach, making sure clients understand their options and feel comfortable with every decision. No two borrowers are the same, and the right loan should support both short-term goals and long-term plans.

Through CCM, I offer a broad range of loan solutions, including conventional, FHA, VA and USDA loans, along with alternative and non-traditional products that can make homeownership and investment opportunities possible when traditional guidelines fall short.

Backed by the resources of America’s #1 Retail Mortgage Lender, I’m able to provide competitive options while delivering the personalized service of a local loan officer.

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

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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.

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.

The Fed dropped its benchmark interest rate.

What does this mean for you? Mortgage rates typically move in the same direction, although they aren’t tied directly to the Fed decision.

If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refi work for you.

  • Get pre-approved for a purchase
  • Get pre-approved for a refinance
  • Calculate equity for a cash-out refi

Want to learn more about our expert take on lower rates?

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Inspiration for your home loan journey

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Exterior of rural home financed using a USDA loan.

USDA Loan Requirements 2026

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White farmhouse-style home in a rural landscape with open fields and trees, representing USDA loan property eligibility vs FHA loan flexibility

USDA Loan vs. FHA Loan: What’s The Difference?

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Senior homeowners smiling and reviewing paperwork together, illustrating 2026 housing trends and the rise of equity-rich buyers.

2026 Housing Trends: Baby Boomers Rise, First-Time Buyers Fall

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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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  • To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.

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  • A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.

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  • A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.

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  • To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.

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