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- monday: 7:00AM – 9:00PM
- tuesday: 7:00AM – 9:00PM
- wednesday: 7:00AM – 9:00PM
- thursday: 7:00AM – 9:00PM
- friday: 7:00AM – 9:00PM
- saturday: 7:00AM – 9:00PM
- sunday: 7:00AM – 9:00PM
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Your Local CrossCountry Mortgage Loan Officer
JJ Mazzo
- Executive Vice President
- San Juan Capistrano, CA Mortgage Loan Officer
- NMLS # 186548
I’ll be with you every step of the way
Hi, I’m JJ Mazzo — EVP and Senior Mortgage Banker with CrossCountry Mortgage, consistently ranked among the Top 200 mortgage professionals nationwide by Scotsman Guide and Mortgage Executive Magazine.
With over 25+ years in the business and more than $1 billion in personal loan production, I specialize in delivering speed, certainty and execution at the highest level — the factors that win deals in today’s market.
Today, I lead a high-performance team based in San Juan Capistrano, California, serving all of Orange County by delivering fully underwritten approvals, fast closings and strategic financing solutions.
I’m a founding member of IMPACT Elite Coaching and actively support organizations including CHOC Children’s Hospital, Orange County Rescue Mission and Giveback Homes.
I live in San Juan Capistrano with my wife and two daughters — and I bring that same level of care, accountability and commitment to every client and partner I work with
JJ’s testimonials
Guides and resources
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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
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.