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Your Local CrossCountry Mortgage Loan Officer

Nikki Saccullo

  • Senior Mortgage Advisor
  • Newport Beach, CA Mortgage Loan Officer
  • NMLS #93401

I’ll be with you every step of the way

Hello! I’m Nikki Saccullo, a dedicated loan officer with over 22 years of experience helping clients navigate one of life’s biggest financial decisions: homeownership. Known for my clear communication and personalized approach, I’m committed to making home financing smooth, stress-free and fully transparent.

When it comes to finding the right home financing for you, I start by listening. I specialize in a wide range of loan products, including VA, FHA, USDA, jumbo, construction and conventional programs. Whether you’re buying, building or refinancing, America’s #1 Retail Mortgage Lender offers a product for your plans.

After starting my career in Seattle, I returned to my hometown of Santa Cruz in 2011, where I continue to serve our community with care and experience. My client-first mindset has earned the trust of countless homeowners and a steady stream of referrals. I truly love what I do — and it shows.

Nikki’s testimonials

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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.

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

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

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

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

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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