Skip to content
Ben Johnston photo

Your Local CrossCountry Mortgage Loan Officer

Ben Johnston

  • SVP of Mortgage Lending
  • Roseville, CA Mortgage Loan Officer
  • NMLS #243751
Apply Now Free Rate Quote

With over 18 years in the mortgage industry, I’ve helped hundreds of clients – many first-time homebuyers – navigate homeownership with confidence and clarity. I believe buying a home should be exciting, not overwhelming, and I’m passionate about making the process smooth and transparent.

 

As a husband and father of three, I understand the importance of finding the right home. I listen carefully to your dreams, whether it’s a first condo, family neighborhood or a spot near your favorite trails. I offer a wide range of products at America’s #1 Retail Mortgage Lender, including conventional, FHA, VA and Non-Qualified Mortgage loans. Together, we’ll find the right one for your plans.

 

Personal finance is a priority. I ensure you get a mortgage that fits your budget and is sustainable long-term. Ready to take the next step? I’m here to answer questions and provide honest, jargon-free advice you can trust.

When I’m not working, I enjoy exploring the outdoors with my family.

Woman researching loan officers to find the right financing parter

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.

Neutral living room with fireplace.

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

Inspiration for your home loan journey

View All

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.

    Learn more

Get Pre-Approved

I’d love to hear from you.

    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    By proceeding, I am consenting to receive phone calls, SMS (text messages) and emails from CrossCountry Mortgage, LLC. I expressly consent to be contacted by CrossCountry Mortgage or its agents on a recurring basis at the phone number and/or email address I provided regarding products or services via live, automated, artificial, or prerecorded phone calls, SMS (text messages) or email. I understand that my telephone company may impose charges on me for these contacts, and that I am not required to sign this agreement as a condition of purchase of property, goods, or services. I understand that I may cancel this consent at any time. Reply STOP to cancel, HELP for help. Msg & data rates may apply. Msg freq. varies. Terms and Conditions/Privacy Policy apply.