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Your Local CrossCountry Mortgage Loan Officer

Todd Flesner

  • Sr. Mortgage Advisor
  • San Jose, CA Mortgage Loan Officer
  • NMLS # 238044
Apply Now Let’s Find the Right Loan

I’ll be with you every step of the way

Good home financing isn’t just about getting approved — it’s about knowing it’s going to work. As a mortgage strategist, I work with clients, real estate agents, financial planners and attorneys who want financing to be a reliable part of their plan, not a variable.

Because while guidelines are consistent, real life — income, taxes, timing and long-term goals — don’t always fit neatly inside them.

My role is to bring clarity and consistency to that process. I do that in a few key ways:

  • Structuring dependable approvals on straightforward transactions
  • Thinking through strategy early so things don’t become complicated later
  • Aligning home financing with tax, wealth and timing considerations
  • Navigating complexity when it’s there, but not creating it when it’s not

The goal is simple: When a borrower makes a decision, everyone involved — agent, advisor and client — knows what to expect and can move forward with confidence. Clear strategy. No surprises. Results you can count on.

Let’s Find the Right Loan

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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 young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.
Retired woman enjoys a bike ride and her peace of mind after starting her reverse mortgage.

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. 

Contact me

You’ve worked hard for your home. Now it’s time to put your home equity to work for you.

A reverse mortgage allows homeowners aged 55 or older to borrow against their housing wealth while maintaining ownership, title, and control of their home. 

But unlike traditional financing solutions, there is no monthly payment required on the loan — taxes, insurance, and maintenance only.

What will you do with tax-free cash from your home equity? 

  • Improve cash flow and increase savings 
  • Refinance or eliminate existing mortgage and consumer debt 
  • Pay for healthcare expenses and long-term care 
  • Finance home renovations to age safely in place 
  • Buy a new home that better suits your needs 
  • Create a financial safety net with a growing line of credit

It’s time to harness your housing equity to build a better retirement that works for you.*

Get started

*Review the Reverse mortgage requirements found on the product page for additional details.

Inspiration for your home loan journey

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Frequently asked questions

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