Johanna Arias · Bilingual Sr. Loan Officer
Where LifeMeets Home.
We are a bilingual mortgage practice serving clients in Allentown, PA and across Pennsylvania, New Jersey and Florida. Fluent in Spanish and English, from the first call to the closing table.
Fluent in Spanish and English · Nothing Gets Dropped Off Because of Language · Homeownership in Your Own Language
Homeownership,in your own language.
I arrived in the United States from Colombia at 14 years old. I was placed in an American school where every class, every assignment and every interaction happened in a language I did not speak.
I know what it feels like to be inside a system you cannot participate in. That is why I built a bilingual mortgage practice from the ground up, so that no client of mine would feel that way during one of the most powerful financial moments of their life.
Hi, I'm Johanna.
Your Bilingual Loan Officer
I am a bilingual loan officer with CrossCountry Mortgage, serving clients in Allentown, PA. I am fluent in Spanish and English, with 10 years as a mortgage loan officer and 13 years in lending overall. NMLS #908021.
My practice is bilingual end to end. The CrossCountry application is available in Spanish. Karlin, my dedicated processor, is fully bilingual. Steven, my assistant, is fully bilingual. I conduct closings in Spanish. Nothing gets dropped off because of language.
I serve English-speaking and Spanish-speaking families across Pennsylvania, New Jersey and Florida.
The receipts.
National and state recognition for production, leadership and service to the Latino community.
Four Pillars.
One Purpose.
Every client relationship we build is founded on the same professional commitments.
Bilingual End to End
The application is available in Spanish. Our processor is bilingual. Our assistant is bilingual. We conduct closings in Spanish. Every step happens in the language you need.
01Proven 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.
02Transparent Process
No jargon, no surprises. We keep you informed at every step, from application to closing, with honest and clear communication.
03Lasting Partnership
The relationship does not end at closing. We remain your trusted resource for every chapter ahead.
04Options 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 guide Spanish-speaking families through the entire process in their language.
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.
Lehigh Valley
- Allentown
- Bethlehem
- Easton
- Whitehall
- Macungie
- Emmaus
Pennsylvania
- Reading
- Philadelphia
- York
- Lebanon
- Lancaster
New Jersey
- Central New Jersey
- Northern New Jersey
Florida
- Tampa
- Orlando
- Miami
- Jacksonville
I know what it feels like to be helpless in a system because the language it operates in isn't yours.
— Johanna Arias, Bilingual Sr. Loan Officer · NMLS #908021
Know Your Numbers
Before You Start.
An educational tool to estimate a monthly payment. 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.
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Estimated Monthly Payment
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Principal, Interest, Taxes, Insurance & PMI
Monthly Breakdown
Loan Summary
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.
Simple. Clear.
Purposeful.
A streamlined process designed around your life, not paperwork. Available in English and in Spanish.
Connect
We start with a conversation about your goals and your timeline, in the language you prefer.
Plan
Together we build a lending strategy tailored to your financial reality and future vision.
Apply
The CrossCountry application is available in Spanish. Karlin, our bilingual processor, walks you through every document.
Close
We conduct closings in Spanish. You sign understanding every page.
Ready to make your move?
Fill out the form and we will be in touch, or call us directly at (484) 554-9969. Se habla español.