From first-time buyers to seasoned investors, Heather Miner brings clarity, confidence, and a personal touch to every mortgage decision in Orange County and beyond.
San Juan Capistrano, CA
Serving all of Orange County
15+
Years Experience
500+
Families Helped
Whether you're buying your first home, refinancing, or planning for the future — every loan path is different, and yours deserves a plan that fits.
Navigating your first purchase shouldn't feel overwhelming. From pre-approval to closing, we guide you every step of the way with patience and clarity.
Lower your rate, shorten your term, or tap into equity — refinancing can reshape your mortgage for the better. Let's explore what makes sense for your situation.
Premium properties and unique financial situations call for specialized loan products. We structure solutions that conventional programs simply can't match.
Government-backed programs offer flexible qualifications and competitive rates. Veterans and first-time buyers alike can find the right fit with expert guidance.
Understanding your options matters. We break down rate vs. term scenarios so you can make decisions with confidence — not guesswork.
Every conversation starts with listening. We take the time to understand your goals, answer your questions, and build a plan that actually works for you.
Heather Miner
CrossCountry Mortgage
Your dedicated loan officer rooted in San Juan Capistrano.
Based right here in San Juan Capistrano, Heather Miner has spent over a decade helping families and individuals navigate the mortgage landscape with honesty, transparency, and genuine care.
At CrossCountry Mortgage, one of the largest mortgage lenders in the United States, Heather combines the resources of a national platform with the personal attention of a local advisor. She believes that a mortgage isn't just a financial transaction — it's the foundation of your home, and it deserves thoughtful, expert guidance.
15+
Years in the mortgage industry
500+
Families served in Orange County
100%
Commitment to your success
OC
Proudly local to San Juan Capistrano
A smooth mortgage process doesn't happen by accident. Here's how we make yours stress-free from start to finish.
Reach out by phone, email, or the form below. We'll schedule a no-pressure conversation to learn about your goals.
We review your financial picture, discuss loan options, and provide a clear pre-approval so you know exactly where you stand.
With your chosen loan program in hand, we guide you through the application — keeping communication open and deadlines on track.
Your keys are waiting. We coordinate with your real estate team to ensure a smooth closing and a confident handover.
The relationships we build are the measure of our work. Here's what a few of our clients have shared.
"Heather made what I thought would be the most stressful experience of my life feel completely manageable. She answered every question, no matter how small, and kept me informed at every stage. I couldn't have asked for a better experience."
Michael & Sarah T.
First-Time Buyers, San Juan Capistrano
"After shopping around, I chose Heather because she actually listened. She didn't push a product — she found the right product for my situation. My refinance saved me hundreds every month, and the process was seamless from start to finish."
David R.
Refinanced, Mission Viejo
"As a veteran, I needed someone who understood VA loans inside and out. Heather walked me through every detail and made sure I got the best terms possible. I recommend her to anyone looking for a mortgage professional who truly cares."
James L.
VA Loan, Dana Point
Ready to explore your options? Reach out today — there's no obligation, just an honest conversation about your goals.
Phone
949-541-3267
heather.miner@myccmortgage.com
Office
31351 Rancho Viejo Rd Ste 201
San Juan Capistrano, CA 92675
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