8th Day Realty Group Lenders

Cross Country Mortgage, LLC

  • NameJustin Keator
  • LicenseNMLS682314
  • Phone919-274-0178
  • Get Started

Ask A Mortgage Question


I’m a mortgage professional who has been in the industry since 2008. I’ve worked in operations as well as sales, giving me an extensive understanding of the entire home loan life cycle. I am here to answer all of your questions and help you achieve your homeownership dreams.

When you work with me, I listen carefully to your goals, so I have a complete understanding of your specific circumstances. If you’re a first-time homebuyer, I will walk you through each step of the loan process and resolve any questions you may have. If this is not your first mortgage, we will discuss some of the newer products that are available, and rediscover how staple programs like conventional, jumbo, FHA, VA, renovation, investment, and refinance have evolved over time to meet current needs.

I look forward to making your home loan experience pleasant and memorable by delivering the level of communication and service you deserve from your lender.

About Ricardo Cobos

With a background in real estate since 1996 Ricardo earned his broker’s license in 2015 and quickly became both a top producer and a leader in his market by working with investors. With market knowledge and tech-forward insights to become a premier Realtor of choice in the Raleigh-Cary region for investors looking to grow wealth via real estate.

Today, he has swiftly built a reputation for informed, comprehensive service that delivers results on behalf seasoned investors. Of course, Ricardo’s in-depth and firsthand knowledge of the mortgage industry also informs his practice, and he offers seasoned counsel for prospective buyers on the hunt for their next investment.

“Because of my background in the mortgage industry, I understand the details of the process from start to finish,” he says. “My goal is to always do two things very well: to communicate with my clients and to negotiate on their behalf.”

When it comes to listing properties, Ricardo leverages his tech knowledge to secure wide-ranging exposure for all homes headed to market. Whether clients prefer a collaborative approach or to remain hands-off, Ricardo tailors his methods to suit his clients’ goals and delivers accordingly.

To promote listings, he is a big believer in incorporating branded walk-through videos and drone work to provide an immersive approach to listed homes. Beyond the office, Ricardo gives back to the community by staying active in his church, adopting a few local charitable causes, and supporting area events, such as school supply drives.

Finally, Ricardo Cobos considers what he enjoys most about his chosen field. “Buying or selling real estate is one of the primary vehicles to generate lasting wealth for my clients,” he reflects. “It’s so rewarding to be a trusted advisor to those clients.”

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