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Your Local CrossCountry Mortgage Loan Officer

Javier Kato, CMA

  • Loan Officer
  • Brooklyn, NY Mortgage Loan Officer
  • NMLS # 2230547
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1 in 35 homes is a CCM home

Hi, I’m Javier Kato, a bilingual English and Spanish loan officer serving homebuyers, homeowners and real estate investors throughout New York and New Jersey. I help clients across Brooklyn, Queens, Manhattan, Long Island, Staten Island, Orange County, NY, Dutchess County, NY, Hudson County, NJ, Essex County, NJ and Union County, NJ navigate the mortgage process with confidence.

Whether you’re a first-time homebuyer, purchasing a co-op or condo, refinancing, buying a multi-family property or investing in real estate, I’ll provide personalized mortgage guidance tailored to your goals.

I specialize in FHA loans, conventional mortgages, low down payment programs, co-op and condo financing, loans for self-employed borrowers, DSCR loans, investment property financing and refinancing. My focus is on education, transparency and clear communication, helping clients understand their options from pre-approval through closing.

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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. 

Should I buy a house or keep renting?

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 takes their first family photo on the porch of their new home thanks to CCM Smart Start.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

First-Time Homebuyers – Get up to $5,250!

There’s no greater feeling than moving into your first home. Getting the keys, opening the front door, making the home your own – all things we want you to experience! 

CCM Smart Start will contribute up to $5,250 toward those good feelings. With CCM Smart Start, we’ll cover 2% of the purchase price (up to $5,250) for the down payment so your homeownership dream can come to life. 

For terms and conditions, visit crosscountrymortgage.com/mortgage/loans/down-payment-assistance/ccm-smart-start/

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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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