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  • 4280 N Campbell Avenue, Suite 107 Tucson, AZ 85718 Mobile (520) 427-5470 Tel (520) 537-0581 Josh.Garza@ccm.com
Your Local CrossCountry Mortgage Loan Officer

Josh Garza

  • Loan Officer
  • Tucson, AZ Mortgage Loan Officer
  • NMLS #2008429
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I’ll be with you every step of the way

Hello! My name is Josh. I’ve spent the last five years as a trusted loan officer, guiding individuals and families through the complexities of home financing and new construction loans. Before my mortgage career, I served honorably in the U.S. Army for four years, instilling a strong work ethic and dedication to service. This experience – combined with a genuine passion for helping people – drives my commitment to providing reliable mortgage solutions.

I understand each mortgage is unique to your goals, circumstances and priorities. That’s why I personalize the home loan process. Maybe a conventional mortgage will meet your requirements. Perhaps a construction loan is a better fit for your big dreams. Or you could qualify for FHA or VA programs. Whether you’re purchasing, renovating or building, America’s #1 Retail Mortgage Lender offers a product for your plans.

My journey is defined by service. I enjoy supporting local businesses and strengthening our community – one home at a time.

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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. 

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.

A family plays together peacefully knowing they found the best option to help them reach financial wellness.

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. 

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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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