California Mortgage Loan Officer
California's Fast-Close Mortgage Specialist
Whether you're a first-time buyer, self-employed, investing, or refinancing — I'll get you into the right loan fast, with transparent rates and zero surprises. Based in Eureka, serving all of California.
About Joey
I'm Joey. Let's get your home.
I'm Joey D'Ambra, a licensed loan officer in Eureka operating under CrossCountry Mortgage — America's #1 retail mortgage lender. I treat every file like it's my own family's: I return calls within the hour, I explain the math instead of dropping jargon, and I tell you honestly whether a loan makes sense for you, even when the honest answer is "not yet."
Non-QM loans (bank statements, 1099-only, DSCR)
First-time homebuyers & California DPA programs
Self-employed & investor financing
Refinance, HELOC, and cash-out
VA, FHA, USDA, and jumbo
Renovation and construction (203k)
What I Do
Every loan program California offers — from one local lender.
First-Time Buyers
3% down, 580 credit, non-traditional income documented. I run California DPA programs (CalHFA, GSFA, local county assistance) that can cover your down payment and closing costs. Most first-time clients qualify for way more than they think.
Self-Employed & Non-QM
Bank statement loans, 1099-only qualification, P&L-based income, asset depletion, ITIN. The loans traditional lenders won't touch because they require actual underwriting instead of a checkbox. Most self-employed clients qualify for 30–50% more loan through Non-QM than through conventional.
Investors & DSCR
DSCR loans qualify the deal on rental income alone — no DTI, no personal W-2. Multi-unit financing, portfolio refinances, cash-out for the next deal, and fix-and-flip bridges through CCM's commercial desk. I close investment deals on the timelines your sellers actually expect.
Common Questions
Real answers. No sales pitch.
Clear, honest answers on the questions I hear most often. If your situation isn't here, text me at (707) 470-7471 — text gets seen fastest.
How fast can I get pre-approved?
Most buyers can get a real pre-approval in 15–30 minutes once I have the basics. Full underwriting depends on documents, credit, and property details.
Do you work outside Eureka?
Yes. I am based in Eureka and licensed across California, so I can help buyers, homeowners, and investors statewide.
Can you help if I am self-employed?
Yes. Bank-statement, 1099, P&L, DSCR, and other Non-QM options are a major part of what I do.
Is this a commitment to lend?
No. All loans are subject to credit, income, asset, and property approval. I will give clear guidance after reviewing your actual file.
Where I Work
Serving Eureka and all of California.
Based in Eureka at 322 1st Street, steps from the Humboldt Bay waterfront. Most of my business is throughout Humboldt County and the North Coast, but I've closed loans statewide — from Crescent City to San Diego. If you're buying, refinancing, or investing in California, I can help.
Eureka
Arcata
McKinleyville
Fortuna
Redding
Ukiah
Fort Bragg
Willits
Borrower Experience
Clear guidance from first call to closing.
You get direct answers, fast communication, and a loan strategy built around your actual numbers — not a generic call-center script. If a program fits, I’ll explain why. If it doesn’t, I’ll tell you that too.
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.
