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Your Local CrossCountry Mortgage Loan Officer

Timothy Christensen

  • Originating Branch Manager
  • Irvine, CA Mortgage Loan Officer
  • NMLS #483962

I love guiding first-time buyers home

Hi, I’m Tim Christensen, and I’m thrilled to help you navigate your home financing journey. With almost 40 years in the mortgage industry, I’ve assisted first-time buyers, move-up buyers, empty nesters, and homeowners in mastering the complexities of mortgage financing. As a dedicated loan officer at our Irvine, CA, I’m proud to offer the expertise of America’s #1 Retail Mortgage Lender to make your homeownership dreams a reality.

Whether you’re buying, refinancing, or renovating, I’ll guide you through every step with personalized support and a range of options, including conventional, jumbo, FHA, and VA loans.

I also collaborate with Realtors, CPA’s, financial advisors, and estate planning attorneys to meet clients’ goals. Additionally, I’m passionate about educating small business employees on home buying, helping them achieve their goal of owning a piece of the American Dream. Let’s start your journey today!

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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.

Man relaxing on couch in living space reads about Bye-Bye PMI product on cell phone.
A family plays together peacefully knowing they found the best option to help them reach financial wellness.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

Save on Your Mortgage Every Month

Say Bye-Bye PMI 

Typically, when your down payment is less than 20%, you have to pay monthly private mortgage insurance (PMI). 

CCM Bye-Bye PMI offers qualified borrowers a conventional loan for as little as 15% down without PMI. That’s monthly mortgage savings and a smaller down payment, giving you more purchasing power.

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. 

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. 

Inspiration for your home loan journey

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Down Payment: How Much Do You Need for a House?

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When to Refinance a Mortgage

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What Are Conforming Loan Limits?

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Frequently asked questions

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