Your Local CrossCountry Mortgage Loan Officer
Alyssa Caliendo
- Senior Loan Officer
- San Diego, CA Mortgage Loan Officer
- NMLS # 1849915
I love guiding first-time buyers home
Hello! My name is Alyssa. I joined the mortgage industry in 2018, working in legal compliance after growing up around the business from a very young age. I quickly pivoted to mortgage origination, specializing in first-time homebuyers, down payment assistance, jumbo, and non-qualified mortgage programs. I’ve been recognized as a leading professional by several top industry publications.
Whether this is your first home, your next home or a refinance, you’ll benefit from my holistic, client-focused approach to home financing. From our first discussion to your closing day, I look forward to providing you with second-to-none communication and customer service.
On a personal note, I have a dog named Lucky. I love to get outside, visit a new restaurant and spend time with family and friends.
Awards & Recognition
– Top Producer – National Mortgage News (2024, 2023)
– Top Originator & Top Emerging Star – Scotsman Guide (2025)
– Top 1% of Mortgage Originators in America – Mortgage Executive Magazine (2025, 2024)
Licensed In
California, Connecticut, Florida, Massachusetts, Maine, New Hampshire & Rhode Island
Guides and resources
Should you buy a house or keep renting?
Enter the basic terms for a purchase loan and your current rent payment/expenses to calculate total cost comparisons and see projected 30-year savings for a purchase.
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.
Alyssa’s Reviews
Inspiration for your home loan journey
My social posts
My Videos
Frequently asked questions
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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.