San Diego State University 1989, Economics Degree, NMLS #104101 Real Estate Broker , California Bureau of Real Estate #00982382
Joe has been in the mortgage industry since 1991 founding his first company in 1993, for 20 years he has specialized in the origination of VA loans. Joe established Crosspoint Financial Inc. in 2001 in Newport Beach, California.
Texas State University, San Marcos, TX 1999, Political Science Degree, NMLS #111937 Real Estate Salesperson, California Bureau of Real Estate #01905056
Penny has been in the Mortgage Industry since 2004 has worked for several small brokerage firms and prior to joining Crosspoint in 2010 worked at HSBC contributing in all aspects of the mortgage industry.
Long Beach State 1999 Liberal Studies NMLS #116634
Kelly has been a licensed loan officer since 2003 working as a loan originator and branch manager.