Partner Presentation

Experience & Results Matter.

America's #1 Retail Mortgage Lender · Licensed In All 50 States

The Mazzo Group of CrossCountry Mortgage is a top-ranked national mortgage team led by JJ Mazzo, Executive Vice President. With two decades of experience and over $1 billion in funded loans, we deliver an end-to-end partnership for real estate professionals — not just the loan.

JJ Mazzo · Executive Vice President · NMLS 186548
#1Retail Mortgage Lender
$1B+In Funded Loans
50States Licensed
10dClose Guarantee
Welcome To The Mazzo Group

Built To Close. Built To Communicate.

A full-service mortgage team structured to support every phase of your transaction — from application and pre-approval through funding and post-close service. We communicate in multiple languages and operate seven days a week.

Applications & Pre-Approvals — Multiple Languages
Clients In Contract & Escrow Process
Strategic Growth & Partnerships
Executive Leadership
Loan Capacity & Turn Times

Speed Backed By In-House Capacity.

Our entire underwriting, funding, and appraisal operation lives in-house. That means we control the timeline, communicate transparently, and hit closing dates other lenders miss.

In-House Team

Underwriting

  • 2 Team Managers
  • 11 Underwriters

Funding

  • 1 Funding Manager
  • 1 Funding Team Lead
  • 8 Closers
Underwriting Goal
1 Day
Maximum 2 Days
Docs To Escrow
4 Hrs
Maximum 1 Day

Internal Appraisal Management

Our team works directly with the Loan Originator and Branch to develop preferred appraisal panels. You can also use an external AMC if you prefer.

10 DAYS CLOSE GUARANTEE
How We Help You Win

A Partnership That Supports Your Business — Not Just The Loan.

Co-branded marketing, monthly masterminds, open house support, and live event co-hosting. Our company is licensed in all 50 states with a streamlined online application in multiple languages.

Monthly Masterminds

IMPACT Coaching

  • High-performance sales training
  • Extreme top producer guest speakers
  • Market trend expert reports
  • Forms & tactics to track your business
Marketing Support

Co-Branded Materials

  • Custom co-branded property flyers
  • Open house support & signage
  • Co-hosted live events
  • Multi-language outreach
Digital Tools

Online Application

  • Streamlined online application
  • Available in multiple languages
  • Real-time milestone updates
  • Mobile & on-the-go access
Pre-Approval Promise

High-Quality Pre-Approval. Backed By A Guarantee.

Take the risk out of buyers falling out of escrow. When a listing agent accepts an offer from one of our clients, the Mazzo Group backs up closing with a $5,000 commitment that their home financing will close — for sure.

100%PROMISE

Pre-Approval Promise

Take the guess work out of choosing an offer for your home sale. When you accept an offer from one of our clients, we back closing with a $5,000 commitment their home financing will close.

Pre-Approval Letter

5 Reasons To Accept Our Offer

  • Quick-close guarantee with $1,000-per-diem
  • Ranked Top Lender — we honor every timeframe
  • Borrower certified through extensive pre-approval
  • Entire process controlled in-house
  • 7-day transparent communication, 8am–7pm
Winning Offer

Our 7-Step Winning Offer

A scripted, repeatable framework Mazzo Group buyers use to write the most competitive offer in the stack — without overpaying.

Our 7 Steps Of A Winning Offer

1
Price To Win
Agent to homebuyer — competitive offer strategy aligned to comps and seller psychology.
2
3-Day Inspection Period
Tied directly into the balance of our process and contract timeline.
3
3-Day Loan Terms
Conventional & FHA: 3 days. Jumbo over $1,150,000: 7 days. VA: 15 days.
4
Waive Appraisal Contingency
Safely waive the appraisal contingency — call Mazzo Group for details. If not waiving, use fair timeframes.
5
7-Day Loan Availability
7-day close with optional post-occupancy. Example: 7-day close with 35-day post-occupancy. VA & Jumbo: 21 days.
6
Text The Mazzo Group
Text 877.237.9694 the listing agent's phone — we call to validate terms and clarify product concerns.
7
Copy Support On Offer Email
Our team validates all terms and provides the listing agent five main reasons to accept the offer — written, documented, and transparent.
Client Conversion System

A Predictable Process. For Peak Performance.

Powerful CRM, massive communication cadence, and an industry-leading nurture program. We don't lose leads, we convert them.

Powerful CRM

Organized Data Hub

  • Centralized data for all leads & loans
  • Detailed notes about every client
  • Automated lead follow-up campaigns
  • Loan milestone updates for agents & clients
  • On-the-go access and support
Massive Communication

Always On The Phone

  • Weekend pre-approval coverage
  • Weekly calling on pre-approvals
  • Direct calls to listing agents
  • 21-touch home shopping follow-up
  • Tracked commissions & H.O.M.E. Club lifetime plan
Lead To Credit Pull
70%
Credit Pull To Pre-Approval
50%
Lead To Closing
20-25%
21 Touchpoints

21 Touchpoints With Your Clients. No One Is Left Behind.

While your client is shopping for a home, we are in constant communication — through weekly videos, phone calls, mailings, texting, and direct Homebot access. Seven days per week of personalized assistance.

1
Weekly Personalized Videos
2
Direct Phone Calls
3
Branded Mailings
4
Text Outreach
5
Live Homebot Dashboard
6
7-Day-A-Week Support
CCM's H.O.M.E. Club

Home Ownership Made Easy. No Loans Left Behind.

A long-term nurture program designed to take buyers who are not yet ready and walk them through to qualification. Expert guidance, action items, and automated follow-up.

Expert Knowledge On How To Become Qualified
  • Guidance meeting with clients
  • Detailed breakdown of action items
  • Automated top-of-mind campaigns
  • Follow-up phone calls with updates
Credit
Targeted score build, dispute, and rebuild plans.
Employment
2-year history, gap reconciliation, and self-employed prep.
Down Payment & Reserves
Savings plan, gift-fund documentation, asset seasoning.
FirstHomeIQ

Give Your Clients The Gift Of Confidence.

When your buyers are educated, you spend less time explaining the basics, build deeper trust and loyalty, and close deals faster with prepared clients. JJ Mazzo serves as a FirstHomeIQ Board Member.

Free Education

Boost Buying Confidence

  • Spend less time explaining the basics
  • Build deeper trust and loyalty
  • Close deals faster with prepared clients
  • Free tools your buyers can access today
JJ Mazzo
JJ Mazzo
FirstHomeIQ Board Member
Rescue Loan Experts

We Save Deals Other Lenders Rejected.

We specialize in finding solutions that other lenders cannot. Higher pre-approval amounts, creative loan products, foreign employment history, second opinions, and fast closings.

In-House Signature Programs

Rescue Capabilities

  • Higher purchase price & pre-approval amounts
  • More creative loan options & products
  • Unique income scenarios
  • Foreign employment history accepted
  • Second opinions on declined loans
  • Fast closings & product matching
Rescue 911

Need A Home Loan Rescue?

With hundreds of investors and in-house products, the Mazzo Group is positioned as the #1 Retail Lender in America. Same-day approvals available.

Approval Speed
Same Day
Close In As Little As
10 Days
$1,000 per-diem guarantee
Emulate A Cash Offer

A Decade Closing Loans In 10 Days.

Submit offers with no loan contingencies that sellers can't refuse. Our guarantees back every transaction with real financial commitments — not just promises.

$1,000/day
Per-Diem Guarantee
$100,000
Deposit Protection
$5,000
Pre-Approval Promise
Buy Now Sell Later · CashBoost

Win Your Dream Home. Compete Like Cash.

Purchase a new home without selling your current home first. Empower your buyers with a purchase bridge loan and make their offer as strong as cash.

Buy Now Sell Later

Purchase Without Selling First

Qualify for a new mortgage by excluding the monthly principal, interest, taxes, insurance, and HOA dues of your current residence from your debt-to-income ratio.

CashBoost

Win With Cash-Strength Offers

Compete with confidence and make your offer as strong as CASH. The Purchase Bridge Loan helps secure the dream home without the stress of selling first.

Self-Employed & Investor Lending

Make A Bold Statement. For Investors & Self-Employed.

Approve clients with bank statements, P&L, 1099s, or DSCR — no tax returns or W-2s required for many programs.

Bank Statement Loan

Signature Expanded Bank Statement

Perfect for consultants, freelancers, and self-employed workers — the Signature Expanded Bank Statement Loan makes home financing easy.

Forget tax returns, W-2s, pay stubs, or income verification — it's the perfect mortgage solution for non-traditional earners.

DSCR For Investors

Debt Service Coverage Ratio

Finance an investment property using the property's gross rent to qualify — instead of personal income. Up to $3M loan amounts, interest-only options available, no DTI required.

Down Payment & PMI Solutions

A Bigger Loan With No PMI.

CCM Bye-Bye PMI and the Zero Down Start Program give your buyers more purchasing power — without monthly mortgage insurance and without income limits.

Bye-Bye PMI

Conventional, No PMI

Qualified borrowers receive a conventional mortgage for as little as 15% down without PMI — monthly savings and a smaller down payment, equaling more purchasing power.

Zero Down Start

Zero Down & No Income Cap

  • No income limits
  • First mortgage at a market-comparable rate
  • 3.5% down payment assistance as a repayable second mortgage (10-year term)
  • NO first-time homebuyer requirement
Rate Drop Promise

When Rates Drop, Yours Can Too.

With CCM's Rate Drop Promise, your buyers refinance fast — with no lender fees and a reimbursed appraisal when they meet program criteria.

Fast & Easy Refinance
Streamlined refinance workflow when market rates drop within the promise window.
No Lender Fees
Lender fees waived on qualifying refinance transactions under the Rate Drop Promise.
Appraisal Reimbursed
Eligible borrowers receive a reimbursement of the appraisal fee upon refinance closing.
Others Say It Better

Two Decades. Over $1 Billion Funded.

JJ Mazzo is a Scotsman Guide and Mortgage Executive nationally-ranked Top 100 Producing Executive VP with CrossCountry Mortgage. CCM is a company of culture and values, with a footprint spanning all 50 states.

Verified Reviews

4.9
★★★★★
Google · 55 Reviews
5.00
★★★★★
Zillow · 81 Reviews
4.5
★★★★★
Yelp · 11 Reviews

National Recognition

#1
Retail Lender In America
CrossCountry Mortgage
#1
Mortgage Company
Mortgage Executive Top 50 · 2023
Top 100
Scotsman Guide Originators
Scotsman Guide 2024
Inc. 5000
Fastest-Growing Private Companies
Inc. Magazine
Forbes
Best Employers For Women
Forbes 2024
Top 250
Latino Mortgage Originators
NAHREP
Traditional Product Suite

What Is Your Client's Most Important Need?

We've got it. Full-spectrum agency, government, jumbo, and specialty product access — all underwritten in-house with extended-lock and buydown options.

Conventional Financing — Agency Fixed
  • 10–30 year Fixed and High Balance
  • 6- and 12-month Extended Lock options
  • 1-0, 2-1, 3-2-1 Buydowns available
  • Lock-and-Shop 60- and 90-day options
Conventional — Additional Flexibilities
  • Direct Agency Seller-Servicer
  • Manufactured Homes including single-wide
  • Manual underwrites with extenuating circumstances
  • HomeReady & HomePossible
  • Homestyle Renovation Loans — in-house draws
  • Family First Mortgage (aging parents · disabled children)
FHA Financing
  • Minimum credit score 500 (high balance 640)
  • Scorecard AUS "Approve Eligible" or LP "Accept"
  • Refer allowed with 580 FICO
  • Fixed Rate 15-30 year + High Balance
  • 3% Down FTHB · Extended Lock options
  • FHA Streamline — credit and non-credit qualifying
FHA — Additional Flexibilities
  • Manufactured and Modular Homes
  • HUD REO
  • HUD with Repair Escrows
  • FHA 203K Renovation (Full and Streamline)
VA Financing
  • Minimum credit score 580
  • VA Jumbo: 640 to $1M; 680 to $1.5M
  • Cash-out refinance max LTV 90%
  • 15–30 year Fixed + High Balance / Jumbo
  • 1-0, 2-1, 3-2-1 Buydown available
  • VA IRRRL — no score, no AVM, unlimited LTV
VA — Additional Flexibilities
  • Manufactured Homes
  • Vet / Non-Vet joint transactions
  • VA Renovation Loans
  • VA Construction Loans
USDA Financing
  • Purchase and Refinance
  • 30-year Fixed
  • Max seller contribution 6%
Medical Professional Programs
  • Flagstar up to 97% LTV (ARMs, MI required)
  • Huntington up to 100% LTV (No MI)
Agency & Non-Agency ARM Products
  • 2nd Home ARM down to $50K — aggressively priced
  • Agency ARM options · market-driven pricing
  • Redwood — additional flexibility & non-warrantable condos
  • CCM Platinum — $400K to conforming limits
  • Jumbo ARMs up to $5M
Home Equity Conversion Mortgage (HECM)
  • Stay in your home — no sale required
  • Lending limits: $970,800 (HECM) · $4M (Jumbo)
  • FHA property standards apply
  • Line of Credit, lump sum, monthly, or hybrid
Non-Conforming Jumbo
  • CCM Jumbo · Delegated, aggressively priced
  • LTVs up to 90%
  • Max cash out $500K
  • Jumbo Express AUS options
  • Non-delegated options up to $5M
100% Financing
  • Minimum credit score 740
  • Loan amounts $766,551 to $1M
  • Second home must be vacation / resort area
  • Fixed rate 10, 15, 20 & 30 years
CCM Signature Portfolio

Underwritten By CCM. Built For The Edge Cases.

Our in-house portfolio products serve self-employed, ITIN, foreign nationals, real estate investors, and entity closings — solving for the borrowers other lenders can't.

Signature Agency
  • Primary, 2nd home, investment
  • Min $100K · Max $2M loan amount
  • Not to exceed 80% LTV
  • Min FICO 660 · Fixed rate terms only
Bank Statements
  • Self-employed, contractors, tip/service workers
  • 12–24 months business or personal statements
  • 1099 supplemental income
  • P&L · CPA-verified expense ratio
ITIN Loan
  • Tax ID-based qualification — driver's license + tax returns + employment
  • Loan amounts up to $3M
  • Primary residence only
  • Full Documentation or Bank Statements
Alt Doc — 1099
  • Average of 1099 income — no tax returns
  • Min FICO 620
  • Max loan $3M · Max DTI 50%
Investor Cash Flow (DSCR)
  • Qualify off property's gross rent
  • Min FICO 620 · Max loan $3M · Max DTI 50%
  • No DTI, employment, or income required
  • Interest-only available · Exempt from QM/ATR
  • Financing contributions up to 3%
Signature Expanded (Full Doc)
  • Loan amounts up to $3M · Credit down to 620
  • Primary, Second, Investment
  • 1–4 unit · Non-Warrantable Condo / CondoTel
  • First-Time Homebuyers welcome
Foreign Nationals
  • Loan amounts up to $3M
  • No US credit score or history required
  • Interest-only available (no LTV reduction)
  • 5/6, 7/6, 10/6 ARM · 15 / 30 Year Fixed
  • Second Homes & Investment Properties
Closing In An Entity
  • Loan amounts up to $3M
  • Closing in LLC, Corporation, or Partnership
Know Someone We Should Meet?

We'd Love An Introduction To Another Great Agent.

Please let them know we'll be reaching out to connect. The Mazzo Group of CrossCountry Mortgage is licensed in all 50 states with a streamlined online application in multiple languages.

Audited Disclosure & Compliance Notice

Equal Housing Opportunity. CrossCountry Mortgage, LLC · NMLS 3029 · 2160 Superior Avenue, Cleveland, OH 44114. CrossCountry Mortgage, LLC guarantees that we will close your loan based on the escrow date reflected on the purchase contract or we will pay the seller/buyer at a rate of $1,000 per diem and ensure a deposit protection up to $100,000.

Offer can only be redeemed by closing a loan with the approved loan officer of CrossCountry Mortgage, LLC. Guarantee is void where prohibited. Guarantee terms apply to the loan set forth on the purchase contract and is good for a one-time payment only. All loans subject to underwriting approval. Certain restrictions apply — call for details. All borrowers must meet minimum credit score, loan-to-value, debt-to-income, and other requirements to qualify for any mortgage program.

JJ Mazzo · NMLS 186548 · Executive Vice President · 31351 Rancho Viejo Road, Suite 204, San Juan Capistrano, CA 92675. This communication is for illustrative purposes only and is not a Loan Estimate, commitment to lend, or interest-rate lock. Verify state licensing at www.nmlsconsumeraccess.org.

Equal Housing Opportunity NMLS 3029 · NMLS 186548 · Mazzogroup.com · Support@Mazzogroup.com · 877.237.9694. CrossCountry Mortgage, LLC is licensed in 50 states. JJ Mazzo is licensed in AZ, CA, OR, WA.

Mazzo Group CrossCountry Mortgage