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Your Local CrossCountry Mortgage Loan Officer

Jonathan Salinas

  • Loan Officer
  • Chicago, IL Mortgage Loan Officer
  • NMLS # 2451140
Let’s Find the Right Loan

I’ll be with you every step of the way

Hi, I’m Jonathan — a Spanish-speaking loan officer committed to helping all families achieve homeownership, with a special focus on supporting Hispanic and Latino homebuyers who want a trusted guide through the mortgage process.

As a bilingual mortgage advisor (English & Spanish), I proudly serve first-time buyers, move-up buyers, investors, and families looking to refinance. I specialize in helping clients searching for:

  • ITIN home loans
  • DACA mortgage solutions
  • Down payment assistance programs
  • USDA rural housing loans
  • Investment property cash-flow mortgages (DSCR)
  • Préstamos para comprar casa
  • Préstamos para primeros compradores
  • Hipotecas para familias Latinas e hispanas

 

At America’s #1 Retail Mortgage Lender, I have access to a wide range of programs to fit your needs — whether you’re buying your first home, a vacation home, or building wealth through real estate. My loan options include:

  • Conventional, FHA, VA, USDA and more
  • First-time homebuyer programs
  • Down payment assistance
  • ITIN & DACA solutions
  • Non-QM and alternative documentation loans
  • Investment property cash-flow (DSCR) mortgages
  • Bridge loans
  • Refinance options for lower payments or improved terms

At CrossCountry Mortgage, you can apply in English or Spanish, and you’ll receive full support from my bilingual processing team throughout the entire loan process. My goal is to provide clarity, confidence, and a personalized plan for every family I serve.

Whether you’re ready to buy, refinance, or explore your options, I’m here to help.Let’s start your home financing journey today — en español o en inglés.

Let’s Find the Right Loan

Jonathan’s testimonials

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. 

 

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Test 1

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. 

Test 2

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. 

Test 3

<style>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.

The Fed dropped its benchmark interest rate.

What does this mean for you? Mortgage rates typically move in the same direction, although they aren’t tied directly to the Fed decision.

If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refi work for you.

  • Get pre-approved for a purchase
  • Get pre-approved for a refinance
  • Calculate equity for a cash-out refi

Want to learn more about our expert take on lower rates?

Apply Now

Inspiration for your home loan journey

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What Are Conforming Loan Limits?

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What Are Conforming Loan Limits? — COPY

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Outside of manufactured home with a car sitting in carport.

Manufactured or Mobile Home Financing

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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

  • 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.

    Learn more

  • 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.

    Learn more

  • 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.

    Learn more

  • 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.

    Learn more

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    Buying a home is an exciting step and a big investment. We want you to enjoy the ride, so we’re here to make the process as easy as possible. Whether you’re a first-time homebuyer, buying a luxury house, or investing in property to build your real estate portfolio, our Homebuying Guide will help you on the journey from application to a new set of keys.

    Download your FREE Homebuying Guide

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    What is Lorem Ipsum?
    Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

    Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.