About

Christine Joyner | Branch Manager | CrossCountry Mortgage - 1st Street

Direct: (707) 601-8188 | Office: 322 1st Street, Eureka, CA 95501

NMLS #670129 | Branch NMLS #2808762 | Equal Housing Opportunity

For more than two decades, Christine Joyner has partnered with North Coast REALTORS® to guide Humboldt County buyers across the finish line with speed, integrity, and proactive communication. Based in Old Town Eureka, Christine and her team combine deep local underwriting know-how with the direct lending power and competitive pricing of CrossCountry Mortgage.

When you refer a client to our branch, you get a dedicated lending partner who protects your escrow timeline:

• Fully Verified Pre-Approvals: Income and asset vetting upfront so your buyers write winning, dependable offers.

• Proactive Escrow Updates: Weekly milestone communication for agents on both sides of the transaction.

• Reliable Turn Times: In-house processing and underwriting capacity to prevent closing delays.

Diverse Program Expertise for Humboldt Real Estate:

• First-Time Buyers & DPA: CalHFA, California Dream For All, and GSFA Assist-to-Own for Humboldt County employees and educators.

• Government & Rural Financing: VA Military (0% down), USDA Rural Housing (0% down), and FHA (3.5% down).

• Tribal Member Lending: HUD Section 184 Native American Loans on and off reservation land.

• Renovation / Fixer-Upper Lending: FHA 203(k) and Fannie Mae HomeStyle to turn aging local inventory into closed sales.

• Complex & Self-Employed Buyers: Bank Statement, Non-QM, and DSCR investor financing.

• Senior Homeowners: Government-insured Reverse Mortgages (HECM) for retirement planning.

Proudly supporting agents and clients across Eureka, Arcata, McKinleyville, Fortuna, Ferndale, Trinidad, and surrounding communities. 

Let’s connect on your next pre-approval or scenario:

Call/Text: (707) 601-8188 | christine.joyner@ccm.com

Branch Landing Page: crosscountrymortgage.com/eureka-ca-4565/christine-joyner/