Skip to content
John Carvalho photo

Your Local CrossCountry Mortgage Loan Officer

John Carvalho

  • Branch Manager
  • Union, NJ Mortgage Loan Officer
  • NMLS #280297

Your biggest decision is my biggest passion

Meet John Carvalho — The Man Who Gets Deals Done

Turning complex financing into simple wins is what I do best. Whether you’re a first-time homebuyer looking for guidance or an experienced investor structuring a multi-million-dollar deal, I bring the expertise, creativity and drive to make it happen.

As one of Mortgage Executive Magazine’s Top 1% of Mortgage Originators in America, I’ve helped clients secure everything from family homes to complex investment properties. Backed by the resources of America’s #1 Retail Mortgage Lender, I combine deep product knowledge with a personal, tailored approach.With access to a wide range of mortgage products, from conventional, FHA, VA and USDA loans to exclusive investor programs, you’ll have the tools to move forward with confidence.My team and I don’t just process loans — we build strategies. From innovative financing options to hands-on support at every stage, we’re committed to making your experience seamless, stress-free and successful.

John’s testimonials

Leave a Review See more testimonials

My social posts

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. 

Inspiration for your home loan journey

View All
First-time homebuyers calculating how much down payment is needed on a house.

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

Learn More
Exterior of a ranch style home whose mortgage is going through a refinance.

When to Refinance a Mortgage

Learn More

What Are Conforming Loan Limits?

Learn More

Frequently asked questions

I’d love to hear from you.

    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    By proceeding, I am consenting to receive phone calls, SMS (text messages) and emails from CrossCountry Mortgage, LLC. I expressly consent to be contacted by CrossCountry Mortgage or its agents on a recurring basis at the phone number and/or email address I provided regarding products or services via live, automated or prerecorded phone calls, SMS (text messages) or email. I understand that my telephone company may impose charges on me for these contacts, and that I am not required to sign this agreement as a condition of purchase of property, goods, or services. I understand that I may cancel this consent at any time. Reply STOP to cancel, HELP for help. Msg & data rates may apply. Msg freq. varies. Terms and Conditions/Privacy Policy apply.