Services
First-Time Homebuyers
3% down, 580+ credit, non-traditional income documented. I run California DPA programs (CalHFA, GSFA, local Humboldt assistance) that can cover most or all of 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 programs traditional lenders won't touch. Most self-employed clients qualify for 30–50% more through Non-QM than through conventional.
Investors & DSCR
DSCR loans qualify the deal on rental income alone — no DTI, no W-2. Multi-unit financing, portfolio refinances, cash-out for the next deal, and fix-and-flip bridges through CrossCountry's commercial desk. Fast close for investment timelines that can't wait.
Refinance & HELOC
Rate-and-term, cash-out, FHA Streamline, VA IRRRL, HELOC, HELoan. I run the real break-even math and tell you honestly whether a refi saves you money or not. If it doesn't pencil, I'll say so.
VA / FHA / Jumbo
VA benefits (zero down, no PMI, funding-fee exemption for disabled vets), FHA for buyers not ready for conventional yet, and jumbo / super-jumbo through CCM's direct jumbo desk for coastal CA loan amounts up to $3M.
Renovation & Construction
203(k), HomeStyle, VA renovation, and construction-to-permanent loans. Critical for Humboldt-area properties where the right house needs a new roof, septic update, or seismic retrofit before it'll qualify with a traditional lender.
Every California loan program, from one local lender.
I don't push whatever has the best margin. We figure out your situation first, then match the program that saves you the most money, closes the fastest, and doesn't bury you in fees. Book a 30-minute call — I'll tell you honestly what fits and what doesn't.
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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Monday – Friday: 8am – 5pm Pacific
Evenings and weekends by appointment
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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.
