Johanna Arias · Mortgage Loan Officer in Allentown, PA
Where LifeMeets Home.
A nationally ranked mortgage team based in Allentown, PA, serving buyers and homeowners across Pennsylvania, New Jersey and Florida. Clear advice, fast answers and a smooth path to the closing table.
6-Time Scotsman Guide Top Originator · 300+ Five-Star Reviews · Serving Pennsylvania, New Jersey & Florida
Your next home,done right.
Buying or refinancing a home is one of the biggest financial decisions you will ever make. You deserve a loan officer who knows the market, knows the programs and picks up the phone.
I built my practice on preparation, honest numbers and follow-through, so every client knows exactly where they stand, from the first conversation to the day they get their keys.
Hi, I'm Johanna.
Let's get you home.
I am a Senior Loan Officer with CrossCountry Mortgage, based in Allentown, PA, with 10 years as a mortgage loan officer and 13 years in lending overall. I have been named a Scotsman Guide Top Originator six times, including the national Most Loans Closed ranking. NMLS #908021.
My team is built for speed and precision. Karlin, my dedicated processor, and Steven, my assistant, keep every file moving, so you get clear answers and no surprises. Nothing falls through the cracks.
I serve first-time buyers, move-up buyers, homeowners and investors across Pennsylvania, New Jersey and Florida, in English or in Spanish.
The receipts.
National and state recognition for production, client service and leadership.
Four Pillars.
One Purpose.
Every client relationship we build is founded on the same professional commitments.
Local Market Knowledge
Based in Allentown and licensed in Pennsylvania, New Jersey and Florida. We know the markets, the programs and the local agents and title partners who help get deals closed.
Proven Expertise
Ten years as a mortgage loan officer and thirteen years in lending overall, with access to a wide range of programs for both conventional and non-traditional situations.
Transparent Process
No jargon, no surprises. We keep you informed at every step, from application to closing, with honest and clear communication.
Lasting Partnership
The relationship does not end at closing. We remain your trusted resource for every chapter ahead.
Options for every situation.
From first-time buyers to seasoned investors, we have the programs to get you where you want to go.
First-Time Buyers & Down Payment Assistance
Down payment assistance may be available depending on your location, income and loan program. We walk you through the options you may qualify for in plain terms.
Conventional, FHA, VA & USDA
The foundational home financing programs. We evaluate your full picture to identify which one fits you best.
Jumbo Loans
Financing for properties above conventional loan limits, with structures built around your financial profile.
DSCR Investor Loans
Qualification based on the property rental income rather than your personal income. Built for growing an investment portfolio.
ITIN Mortgages
Buying a home without a Social Security number is possible. We walk ITIN borrowers through every requirement, step by step.
Foreign National Financing
Financing options for international buyers purchasing property in Pennsylvania, New Jersey and Florida.
Bank Statement Loans
For self-employed borrowers and business owners whose tax returns do not reflect their true earning power.
Bridge Loans
Buy your next home before selling your current one, without depending on a sale contingency.
Refinancing & Non-QM
Refinance strategies and Non-QM solutions for borrowers who do not fit the conventional mold.
Licensed in Pennsylvania, New Jersey and Florida.
Based in Allentown, PA, serving the Lehigh Valley and communities across three states.
Pennsylvania
- Allentown
- Bethlehem
- Easton
- Whitehall
- Emmaus
- Macungie
- Reading
- Philadelphia
- York
- Lebanon
- Lancaster
New Jersey
- Central New Jersey
- Northern New Jersey
Florida
- Tampa
- Orlando
- Miami
- Jacksonville
Every client deserves a loan officer who answers the phone, explains the numbers and fights for the closing date.
— Johanna Arias, Sr. Loan Officer · NMLS #908021
Know Your Numbers
Before You Start.
An educational tool to estimate a monthly payment or what you may be able to afford. This is not a rate quote.
Enter a rate to see your estimate. We do not display rates because your actual rate depends on your credit profile and loan program.
Auto-calculated at 1% of purchase price. Adjust manually to override.
Provided by your lender
Estimated Monthly Payment
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Principal, Interest, Taxes, Insurance & PMI
Monthly Breakdown
Loan Summary
Income & Monthly Obligations
Gross income before taxes, for all borrowers
Include car payments, student and personal loans, credit card minimum payments and child support. Do not include your current rent.
Estimate a Home Price
Enter a rate to estimate a home price. We do not display rates because your actual rate depends on your credit profile and loan program.
Assumes property taxes at 1% of price per year, $150/mo homeowner's insurance and 0.5% mortgage insurance with less than 20% down.
Max Housing Payment
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Your monthly obligations already use the full 50% allowance. Talk with Johanna; there are programs and strategies that can help.
How We Got There
Estimated Home Price
This calculator provides estimates for illustrative and educational purposes only. It is not a loan offer, rate quote, pre-approval or commitment to lend. Actual rates, terms and payment amounts are available only through formal pre-qualification and depend on your credit profile, property type, loan amount and program. Property tax and insurance figures are estimates and will vary by location and provider.
Affordability estimates use a simplified 50% debt-to-income guideline and are not a pre-qualification or approval. Actual qualifying ratios vary by loan program, credit, assets and other factors.
Simple. Clear.
Purposeful.
A streamlined process designed around your life, not paperwork.
Connect
We start with a conversation about your goals, your budget and your timeline.
Plan
Together we build a lending strategy tailored to your financial reality and future vision.
Apply
Apply online through CrossCountry's secure portal. Karlin, our dedicated processor, walks you through every document.
Close
We review every number with you before closing day, so you sign with confidence.