Todd Flesner - Cross Country Mortgage

• Personal NMLS238044
• Company NMLS3029
• Equal Housing Opportunity
• nmlsconsumeraccess.org When you come to me for your mortgage, I begin by listening.

I want to understand your goals and priorities so I can offer a home loan that’s right for you. You may be a first-time homebuyer or a long-time homeowner. You may be buying an investment property or looking for a renovation loan. You'll have access to a wide range of loan programs, from FHA and VA to conventional and jumbo. You are an individual and my recommendations will respect your unique cir

06/17/2024

06/14/2024

When searching for your dream home, it isn’t always love at first sight – or second or third or fourth even. No matter how many homes you’ve looked at, learning the latest home buyer and seller trends will help you be ready when you find the one http://spr.ly/6185ebpNJ

What Is a Multi-Family Home? I CrossCountry Mortgage 06/13/2024

Want to earn passive income through real estate? Multi-family homes might be your ticket to financial freedom. Explore the financial advantages, from steady rental income to long-term investment potential, in our comprehensive guide

What Is a Multi-Family Home? I CrossCountry Mortgage Confused about the difference between duplexes & condos? Dive into our guide & learn everything about multi-family homes - perfect for renters & investors!

06/12/2024

Good things (like finding your dream home) take time. If you want to speed up the search, it might help to read about this year’s big home buyer and seller trends http://spr.ly/6183ebpNH

06/11/2024

Looking for financing above conforming loan limits? Our Signature Jumbo AUS loan features lower qualifying credit scores plus a streamlined homebuying process with automated underwriting and credit approval on loans up to $3 million. Get in touch to get the keys to your luxury home.

06/07/2024

You gotta be quick when you find your dream home! That’s why we’re dedicated to closing fast – and meeting the rest of our market’s trends. http://spr.ly/6181jC2aL

06/06/2024

Want to turn your fixer-upper into a masterpiece without breaking the bank? Learn about the different types of home improvement loans tailored to fit your needs and budget. http://spr.ly/61825B7aw

06/05/2024

Interest rate increases brought the pending home sales index down in April. Lucky for you, you’re partnered with a team that has ways to mitigate high mortgage rates. Let’s discuss options that may help clients put their homebuying dreams within reach.

06/05/2024

It’s the little things that make home, well, home. Share the story of yours, and you might just win $500 to show your space a little extra love.

Enter CCM’s Little Piece of Home giveaway by June 21 to show off your favorite piece of home. See http://spr.ly/6180eAe2a for details and to enter!

05/31/2024

In the last decade, how has your life changed? Maybe your family has grown, a new job opportunity has come up, or you simply dreamed a new dream. Whatever your reason for selling, learn the trends of people making their move: http://spr.ly/6187jC2af

05/30/2024

Worried about your Debt-to-Income Ratio (DTI) affecting your loan prospects? Don’t stress! Our article breaks down everything you need to know, from calculating your DTI to actionable steps for improvement. http://spr.ly/6184ej2aA

05/29/2024

Yet again, monthly existing home sales decreased across the country. But we’re still finding ways to help homebuyers win in the last week of spring – and make the summer a little brighter for our business. 🏡

05/29/2024

Our exclusive Line of Duty Death Benefit provides first responders up to $525,000 toward the balance of their mortgage should they fall in the line of duty. It's our way of supporting and saying thank you to the families of those who make the ultimate sacrifice while protecting the communities they love. Contact us today to learn more.

05/24/2024

Home isn’t home without the people you love. If your friends and family are a little too far away, learn buyer and seller trends that may help you close the distance: http://spr.ly/6183jC2aF

05/23/2024

When it comes to homebuying, you don’t need perfect credit, you don’t need to put 20% down, and renting isn’t always cheaper. Contact us today to see how we make purchasing your first home more realistic. http://spr.ly/6185jeaJb

05/22/2024

Empty nesting, downsizing, or retiring to a new location. Whatever the reason, 60 appears to be the age to make a move. We keep track of homebuying and selling trends so we can help you when the time's right. http://spr.ly/6185jC2aN

05/21/2024

Finance your next investment property with gross rent — NOT your income — with our Signature Expanded Investor Cash Flow Loan. Get qualified for your DSCR loan based on the property’s cash flow without having to verify personal income. It makes perfect sense for real estate investment pros. http://spr.ly/6188jeaJe

05/17/2024

That’s the average? Sounds like a dream home to us! If you agree, make sure to read the annual NAR® Profile of Home Buyers and Sellers guide so you can make it yours. http://spr.ly/6181b5ghU

05/16/2024

Want a warmer, brighter, more sustainable home? Come talk to us about our energy-efficient mortgage. These loans can help you pay for new windows, appliances, roofing, and more. Save on utility bills AND help the environment. http://spr.ly/6181jeaJX

05/15/2024

Over 90% of metro communities saw home prices go up in Q1. But no matter how high costs rise, our mission remains the same: to help your clients afford a place to call home. Let’s talk about how we can do that today. 🏡 📈

USDA Loan Requirements 2024 | CrossCountry Mortgage 05/14/2024

Live in a rural community? You’ll want to know about the USDA home loan – and the opportunities it offers. Read our article to learn more:

USDA Loan Requirements 2024 | CrossCountry Mortgage Discover USDA Loan Requirements for 2024. Learn how USDA loans facilitate rural homeownership with no down payment and flexible terms. Unlock homeownership now!

05/10/2024

We’re not a fan of this “paying more” trend. That’s why we keep coming up with ways to help our clients save more. To find some trends we do like, check out our full summary: http://spr.ly/6184b5ghs

05/09/2024

Need extra funds for life’s big expenses? A Cash-Out Refinance Loan could be the solution. Our comprehensive guide breaks down how it works, pros and cons, and alternative options to consider, maximizing your home’s equity. http://spr.ly/6180jeaJn

05/08/2024

Have you found your forever home? For 1 out of 5 people, the answer is yes! If you’re part of the 4 wanting a change, our article on buyer and seller trends will help: http://spr.ly/6181b5ghL

05/07/2024

Forget tax returns, W-2s, pay stubs, or any income verification, we can help you get home financing with just bank statements and our Signature Expanded Bank Statement Loan — it’s your perfect mortgage solution. Get started now.

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My Story

As a partner with you in the home finance process, my team and I treat every loan as if it were our own. You can count on up to date market information and a variety of loan programs to meet your individual needs.

In addition, we are committed to keeping you informed throughout the loan process and are here to answer any qusetions, explain options, and eliminate hassles and worry along the way.

Todd entered the mortgage industry in 1999, following a 14 year career managing a non-profit organization benefiting youth and families. He has contintued to be actively involved in the community, serving in leadership capacities for local organizations including as President of The Financial Planning Forum, President of Milpitas Rotary, Treasurer of Rebuilding Together Silicon Valley and his local church.

His observations during the Sub-Prime era provided motivation to co-author the book, “Mortgages Made Easy: A Guide to Understanding Today’s Complex and Sometimes Confusing Mortgage Market.” The book provides practical advice to those considering a mortgage and arms them with important questions to ask during the process.

Videos (show all)

Trend Tracker Spring 2024 Housing Predictions with Chris Bennett
Trend Tracker Spring 2024 Housing Predictions with Chris Bennett 2
Trend Tracker Spring 2024 Housing Predictions with Chris Bennett
Check it out! I am now a trusted local provider on Newtomedia! #Marketing
Multi-Unit LTV
Wishing you a happy and prosperous New Year! If your new year's resolution includes purchasing a home, let's talk soon. ...
Housing Market Need-to-Knows: Housing Costs
Housing Market Need-to-Knows: Inventory
Wish List Come True - Must Haves
Ready to buy a house? Let's consider your finances first. Homeownership is more than your mortgage payment—you’ll also n...
Wish List Come True - Neighborhood Considerations
Cash-out Refinance vs. HELOC

Telephone

Address

1080 Minnesota Avenue , Ste. 1
San Jose, CA
95125

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