About Joey
The Loan Officer
Licensed in California. Based in Eureka.
I'm Joey D'Ambra, a mortgage loan officer operating under CrossCountry Mortgage — America's #1 retail mortgage lender. I've closed hundreds of California loans, specializing in the ones most lenders can't (or won't): self-employed Non-QM, first-time buyers with non-traditional income, investor DSCR loans, and fast closings for purchase contracts that can't wait. I return calls within the hour. I explain the math. I tell you honestly whether a loan makes sense, even when the honest answer is "not yet." Every client gets the same attention as if they were family buying the house.
How I Work
Direct, honest, and fast.
Every deal starts with a 30-minute call. No pressure, no cookie-cutter pre-qual letter. We run the real numbers on your specific situation and I give you a timeline you can plan around. If Non-QM is the right fit, we go that route. If traditional works, we take that. If nothing works yet, I'll tell you what to fix first.
Calls returned within the hour
Every fee explained line-by-line
Realistic timelines, not sales pitches
Same-day pre-approvals on clean files
CrossCountry Mortgage direct-lender access
In-house underwriting (no brokered delays)
Full CA DPA program knowledge
Humboldt-local appraiser relationships
Specialties
The loans most lenders say no to.
Non-QM is my bread and butter — bank statement programs, 1099-only qualification, P&L-based income, asset depletion, ITIN. Plus the full conventional menu: FHA, VA, USDA, jumbo, renovation (203k), and California DPA layering. If you've been told no somewhere else, there's a good chance the answer here is yes.
Non-QM (bank statements, 1099, DSCR, P&L)
First-time buyers & California DPA
Self-employed & 1099 borrowers
Real estate investors & portfolio growth
Refinance, HELOC, cash-out, IRRRL
VA, FHA, USDA, jumbo, super-jumbo
Renovation & 203(k) construction loans
Small commercial through CCM's desk
Borrower Experience
Local guidance. Straight answers.
My goal is simple: make the loan process feel clear, fast, and human. You’ll know what documents matter, what the numbers mean, and what happens next before we move forward.
Free 30-Minute Consultation
Ready to move? Let's talk.
Book a 30-minute call, tell me about your situation, and walk away with real numbers. No pressure, no obligation, no lead-capture robot — just me, at my desk in Eureka.
Joey D'Ambra
Your California mortgage partner — Eureka to every corner of the state.
Email: [email protected]
Phone: (707) 470-7471
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Business Hours
Monday – Friday: 8am – 5pm Pacific
Evenings and weekends by appointment
Text anytime — I'll see it
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© 2026 Joey D'Ambra | Mortgage Loan Officer | NMLS# 2264788. CrossCountry Mortgage, LLC. NMLS# 3029 | Equal Housing Lender. 322 1st Street, Eureka, CA 95501 | Licensed in California. Not a commitment to lend. All loans subject to credit and property approval. Terms and programs subject to change. Consult a licensed loan officer for your specific situation.
