Your Local CrossCountry Mortgage Loan Officer

Joey D’Ambra

Loan OfficerEureka, CA Mortgage Loan OfficerNMLS #2264788

Apply now Schedule a consultationSchedule

Personal guidance, every step of the way.

I’m Joey D’Ambra, a loan officer in California. I help clients and agents statewide through a straightforward home financing process — purchase, refinance, renovation, or investment.

Through CrossCountry Mortgage, I can help you compare a wide range of mortgage programs, including Non-QM options for first-time buyers, self-employed borrowers, and investors.

I focus on clear communication and personal guidance. We’ll talk through your goals, look at your options, and make sure you understand what comes next.

Outside of work, I enjoy hiking redwood trails, cycling, and good food and wine. My wife, Hannah, and I share our home with our dog, Cocco.

More about me

CrossCountry
Mortgage

California
licensed

Equal Housing
Lender

Joey’s reviews

5.0 / 5

76 reviews on Experience.com, including Google. Checked September 23, 2026.

Leave a review Read more reviews

★★★★★

“Joey was very helpful and responsive from the beginning. All the initial conversation items including rate and amount down stayed the same. I recommend Joey and his team!”

Scott S.September 20, 2026Google

★★★★★

“Joey D’Ambra is the kind of lender every agent hopes to work with. He goes above and beyond for every client and always finds a way to get the job done. I have trusted Joey with FHA, VA, and conventional buyers, and he treats every file with the same level of care and urgency. He is proactive from day one. He explains the loan options clearly, sets real expectations, and keeps everyone updated so there are no surprises.”

Steve B.July 12, 2026Google

★★★★★

“Very kind and professional! Great to work with!”

Eli H.November 12, 2025Google

Guides and resources

Buying a home

Explore your financing options and the path to your next home.

Get started

Mortgage calculators

Run the numbers with educational tools for your next decision.

Explore calculators

Refinancing your home

Understand the payment, costs, and choices that may fit your goals.

Explore refinancing

Home financing
for your next chapter.

View all loan programs

Purchase

Let’s put a financing plan behind your next home.

Explore Purchase

Refinance

See whether a new mortgage makes sense for the home you already own.

Explore Refinance

FHA

Government-insured financing worth comparing for a first home or your next one.

Explore FHA

VA

Home financing for eligible Veterans, service members, and surviving spouses.

Explore VA

Jumbo

Financing for a loan amount above the conforming limit in your county.

Explore Jumbo

Non-QM

Mortgage options when traditional income documentation does not tell the full story.

Explore Non-QM

All loans subject to underwriting approval. Certain restrictions apply. Call for details. This is not a commitment to lend.

What could your mortgage
payment look like?

Enter your loan amount and quoted rate to explore an estimate.
Add taxes, insurance, and other costs for a fuller picture.

More calculators

Mortgage payment calculator

Loan amount ($)

Rate you were quoted (%)

Loan term

Taxes, insurance & other costs

Monthly property taxes ($)

Monthly home insurance ($)

Monthly HOA dues ($)

Monthly mortgage insurance ($)

Enter your own quoted rate to see an estimate.

Monthly payment breakdown

Estimated payment

—

per month

Principal & interest—
Property taxes—
Home insurance—
HOA dues—
Mortgage insurance—

Let’s put these numbers in context.

Talk through your estimate

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.

From our first conversation
to your closing.

Let’s talk

Tell me about your plans. I’ll help you understand the options and the next step.

Schedule a consultation

Start your application

Apply through CCM’s secure website. I’ll explain the documents and review process.

Apply now

Work toward closing

I’ll keep you informed as your loan moves through the required reviews.

Get in touch

Frequently
asked questions

Have a question about your own situation?

Call 707-223-2272

Can you help me outside Humboldt County?

Yes. I’m licensed in California and work with buyers, homeowners, and agents statewide. My office is at 322 1st Street in Eureka.

Where should I start?

Schedule a Loan Consultation, call, or text me at 707-223-2272. We’ll talk about your goals and next steps. If you’re ready, Apply takes you to my secure CrossCountry Mortgage application.

What if I’m self-employed?

I can help you compare traditional financing with options such as bank statement and other Non-QM programs. The right documentation depends on your business and the program. All loans are subject to underwriting approval.

Is a calculator result a loan quote?

No. It is an educational estimate using your inputs, including the rate you were quoted. It is not a rate offer, pre-approval, or commitment to lend. I can help you review the full picture.

Where do I send documents?

Use the secure CrossCountry Mortgage application for financial documents and sensitive information. Please don’t put Social Security numbers, full account numbers, or documents in this site’s contact form or chat.

How long will my loan take?

Timing depends on the loan, property, documentation, and any purchase contract. I’ll explain the next steps and keep you informed as your application progresses.

I’d love to
hear from you.

Tell me what you’re working on.
I’ll be in touch.

707-223-2272 Schedule a consultation

Please use the secure CCM application for documents or sensitive financial information.

First name

Last name

Phone

What can I help with?

Anything else? (optional)

Joey D’Ambra

Personal guidance, every step of the way.

Joey’s reviews

Guides and resources

Buying a home

Mortgage calculators

Refinancing your home

Home financing
for your next chapter.

Purchase

Refinance

FHA

VA

Jumbo

Non-QM

What could your mortgage
payment look like?

Mortgage payment calculator

Monthly payment breakdown

From our first conversation
to your closing.

Let’s talk

Start your application

Work toward closing

Frequently
asked questions

I’d love to
hear from you.

Let’s talk about your next step.

Website assistant

Ask Joey to follow up

Joey D’Ambra

Personal guidance, every step of the way.

Joey’s reviews

Guides and resources

Buying a home

Mortgage calculators

Refinancing your home

Home financingfor your next chapter.

Purchase

Refinance

FHA

VA

Jumbo

Non-QM

What could your mortgagepayment look like?

Mortgage payment calculator

Monthly payment breakdown

From our first conversationto your closing.

Let’s talk

Start your application

Work toward closing

Frequentlyasked questions

I’d love tohear from you.

Let’s talk about your next step.

Home financing
for your next chapter.

What could your mortgage
payment look like?

From our first conversation
to your closing.

Frequently
asked questions

I’d love to
hear from you.