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  • 8885 Rio San Diego Drive, Suite 370 San Diego, CA 92108 Mobile (619) 279-6418 Jeff.Cota@ccm.com
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Your Local CrossCountry Mortgage Reverse Loan Officer

Jeff Cota

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  • Certified Reverse Mortgage Professional
  • San Diego, CA Mortgage Loan Officer
  • NMLS #232239
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I’ll be with you every step of the way

Hi, my name is Jeff, and I’m excited to help you open the doors to your dream home! As a dedicated mortgage professional at our San Diego, CA branch, I combine my passion for helping others with the strength of America’s #1 Retail Mortgage Lender to create a seamless home financing experience for you. 

I’m a Certified Reverse Mortgage Professional (CRMP) with over 20 years of home financing experience. As one of only 200 or so CRMPs credentialed by the National Reverse Mortgage Lenders Association, I’ve spent my career educating and partnering with industry professionals to improve the financial well-being of senior homeowners in retirement. By incorporating housing wealth into your retirement planning strategy, my team and I can set your finances up for long-term success – and perhaps fulfill some lifelong dreams!

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.

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A family plays together peacefully knowing they found the best option to help them reach financial wellness.
Retired woman enjoys a bike ride and her peace of mind after starting her reverse mortgage.

For borrowers aged 55 and over

Is your traditional retirement income — pension/401(k), savings, and Social Security — falling short of your goals and expenses?

Now you can use your hard-earned home equity to gain a new source of tax-free cash with CCM’s suite of proprietary jumbo reverse mortgage loans.

  • Monthly mortgage payments are optional
  • Loan amounts up to $6 million
  • Homeowners as young as 55 are eligible depending on the product and state
  • Wide range of houses & condos eligible for financing
  • Choose to receive your funds through a reusable line of credit or fixed rate lump sum
  • Neither you nor your heirs will owe more than the home is worth when it is sold and/or the loan is repaid
Learn More

*Review the Reverse mortgage requirements found on the product page for additional details.

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. 

Contact me

You’ve worked hard for your home. Now it’s time to put your home equity to work for you.

A reverse mortgage allows homeowners aged 55 or older to borrow against their housing wealth while maintaining ownership, title, and control of their home.

But unlike traditional financing solutions, there is no monthly payment required on the loan — taxes, insurance, and maintenance only.

What will you do with tax-free cash from your home equity?

  • Improve cash flow and increase savings
  • Refinance or eliminate existing mortgage and consumer debt
  • Pay for healthcare expenses and long-term care
  • Finance home renovations to age safely in place
  • Buy a new home that better suits your needs
  • Create a financial safety net with a growing line of credit
Get started

*Review the Reverse mortgage requirements found on the product page for additional details.

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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. 

Inspiration for your home loan journey

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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.

    Learn more

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