---
canonical_url: https://lendb.ai/lo/fernando-perez-1385005
json_url: https://lendb.ai/lo/fernando-perez-1385005.json
nmls_id: 1385005
last_verified: 2026-10-09
---

# Fernando Perez

Loan Officer at CrossCountry Mortgage, Cottonwood Heights, UT. NMLS ID 1385005 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1385005)).

**Summary:** Fernando Perez (NMLS 1385005) is Loan Officer at CrossCountry Mortgage, based in Cottonwood Heights, UT. Lists Utah on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: DSCR loan, Jumbo loan, Construction loan and Non-QM loan. States 9 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 9 (source: https://crosscountrymortgage.com/cottonwood-heights-ut-4364/fernando-perez/, verified 2026-10-09)
- Licensed in: Utah (UT, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **DSCR loan** (`dscr`): lender page, confidence 0.80, verified 2026-10-09. Source: https://crosscountrymortgage.com/cottonwood-heights-ut-4364/fernando-perez/
- **Jumbo loan** (`jumbo`): lender page, confidence 0.80, verified 2026-10-09. Source: https://crosscountrymortgage.com/cottonwood-heights-ut-4364/fernando-perez/
- **Construction loan** (`construction`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/cottonwood-heights-ut-4364/fernando-perez/
- **Non-QM loan** (`non-qm`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/cottonwood-heights-ut-4364/fernando-perez/

## About

Fernando has nine years of mortgage experience, specializing in diverse loan programs including VA, FHA, USDA, conventional, construction, jumbo, and DSCR loans, with expertise in staying ahead of market trends.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 9. Source: https://crosscountrymortgage.com/cottonwood-heights-ut-4364/fernando-perez/, verified 2026-10-09.
- service_area: Magna, UT; American Fork, UT. Source: https://crosscountrymortgage.com/cottonwood-heights-ut-4364/fernando-perez/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| UT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Cottonwood Heights, UT. Source: https://crosscountrymortgage.com/cottonwood-heights-ut-4364/fernando-perez/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1385005

## Contact

- linkedin_url: https://www.linkedin.com/in/fernando-perez-146672233/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/cottonwood-heights-ut-4364/fernando-perez/
- Office phone and Email on file: shown at https://lendb.ai/lo/fernando-perez-1385005#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1385005
- lender_site: https://crosscountrymortgage.com/cottonwood-heights-ut-4364/fernando-perez/

Cite as: Fernando Perez (NMLS 1385005), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/fernando-perez-1385005, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._