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    • monday: 8:00AM – 5:00PM
    • tuesday: 8:00AM – 5:00PM
    • wednesday: 8:00AM – 5:00PM
    • thursday: 8:00AM – 5:00PM
    • friday: 8:00AM – 5:00PM

Your Local CrossCountry Mortgage Loan Officer

Brandon Knapp

  • Executive Loan Advisor
  • NMLS # 320770
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I’ll be with you every step of the way

Hello! I’m Brandon, your local loan officer. I’m proud to serve our San Jose, CA community with America’s #1 Retail Mortgage Lender. Whether you’re buying your first home, making a move or refinancing, I’m here to guide you through the process with expert advice and a personal touch.

At CrossCountry Mortgage, you get more than a mortgage lender – we’re your neighbors. My team and I are based right here in your community, which means we understand our market and what it takes to help you succeed. From our first conversation to closing day, I’ll provide clear answers, reliable support and a smooth, stress-free experience.

When it comes to your loan, you’ll find the wide range of options you’d expect from a national leader. From VA and FHA to conventional and exclusive programs, we’ll discuss each solution and find the right one for you.

I want to help you make the place I call home your home. Reach out to me today or stop by our San Jose office to get started!

See What I Qualify For
$271.0M
by volume
1 in 30
home purchases across the US in 2025
120+
mortgage loans available
131,000
home purchases funded in 2025

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It’s your time to buy.

Homebuying is always in season. You may be thinking of a first home. Or it could be time for a vacation home or investment property. Start now with a pre-approval and you’ll be ready to buy when you see what you want. No matter the home, we’ve got the loan.

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.

Neutral living room with fireplace.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

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

Buying Now Means Saving Later

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line. 

Your free rate quote

For full terms and conditions, visit ccm.com/buynowrefilater

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options 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.

    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

  • Non-QM loans use expanded home financing criteria to give borrowers income and credit flexibility. From qualifying with bank statements or 1099 income to purchasing investment properties, Non-QM loans open doors to homeownership many don’t realize are available.

  • Also known as Investor Cash Flow loans, DSCR loans are designed to help real estate investors secure financing with their rental property’s cash flow. Instead of relying on personal income, DSCR loans use the debt service coverage ratio (DSCR) to qualify.

    DSCR is calculated by dividing the monthly rental income by principle, interest, property taxes, homeowners insurance and association dues.

  • Since Non-QM loans don’t follow traditional guidelines, they’re considered riskier. That’s why lenders often require a higher down payment, interest rate and other terms.

    But Non-QM loans are a safe financing option that benefits many homebuyers. Talk to a CCM loan officer to learn what’s right for you.

Get Preapproved

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