Steve Kaye - CrossCountry Mortgage


1335 W Lambert Lane
Oro Valley, AZ 85737


From the Beginning...

I began my career in loan origination at a local community bank in 1990 after several successful years in the title industry. During my time at the bank, I was able to help many in my community with either financing the purchase of their first home or refinance their current loan. However, something seemed to be missing.

I took a step back, and some time away, and realized that by switching to being a mortgage banker/direct lender, I could provide more loans and greater value to more clients more efficiently as well. The reason was simple: instead of working strictly for a single bank, I could actually help more people by offering a greater variety of loan programs from a number of lending resources, and usually at even better rates.

I recently chose to align myself with Cross Country Mortgage and their Tucson branch. I chose to work with Cross Country because of their strong reputation in the lending community, recently recognized as a top five retail mortgage lender in the country and named to the Inc. 5000 list of America’s fastest growing private companies for a ninth year. Cross Country provides in-house processing, underwriting, and loan document preparation, providing me with superior service and greater control over each and every transaction, whether it be for a conventional, jumbo, government, or reverse mortgage.

I am also excited to be leading my branch’s Reverse Mortgages division. This is a program that I am passionate about when it comes to providing value and benefit to homeowners over the age of 55. I believe that this is a vital, growing segment of our industry today and a great way for us to help serve our senior homeowners and their growing needs for a more comfortable retirement.

The responsibility of serving my clients is one I accept with the utmost respect along with my commitment to providing quality service, timely closings, and a level or unsurpassed honesty and integrity.

I am proud of my 24+ years as a mortgage professional, and equally proud to work for and represent a company that shares the same goals and ideals. I look forward to making a positive impact and difference in the lives of my clients and in my community.

Why Reverse Mortgage?

Reverse mortgage lending is a specialty niche that requires and combines experience, knowledge, education, and a commitment to the product and to the senior community it serves: those homeowners over the age of 55.

So, why did I decide to become a reverse Mortgage specialist? As a "newer" member of that community, I've taken a greater interest in reverse mortgage programs and am excited by the advantages and options - and, most importantly, benefits - this program brings. It is truly a life enhancing and life-changing program, and one that I am excited to be able to offer and specialize in. I have helped people remain in their homes when they thought they were going to have to sell and leave and have experienced their tears of gratitude. I can tell you firsthand, there is nothing more rewarding than to help improve, often substantially, the quality of life of so many, while also easing the concerns and burdens of their families. It is incredibly rewarding.


About Me

After spending my entire life in Southern CA, I moved to Oro Valley, AZ in 2022with my wife, Debbie, who I love dearly, and our dog Phoebe, and our cat, Pumpkin – and we love it here! I retained my CA license, so now I get to conduct business in AZ as well as in CA!

I am also a father of three with four grandchildren that I love more than I could ever share. When I am not providing mortgage financing (both traditional and reverse mortgages), I enjoy going to sporting events, going to concerts and shows, traveling (is there any vacation better than a cruise? I say, NO!!) and - yes - eating! We have some great food here in the Pusch Ridge mountain region – and I love to cook as well!

I look forward to the opportunity to answer any questions you might have about the reverse mortgage process, and hopefully getting the chance to help you to make the loan process a stress-free and successful one for you – as it should be!