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CrossCountry Mortgage, Inc. Review

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Reviews 22

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Bestmoney Staff
Bestmoney Staff
Jul. 15, 20214 min read

CrossCountry summary

CrossCountry Mortgage does everything a lender could, offering refinance, purchase loans and home equity loans, as well as government backed FHA and VA loans. They offer mortgages that range from 10-30 years with added benefits for borrowers who prequalify.


  • Dedicated loan officer for each customer
  • Range of purchase and refinance options
  • Handy mortgage calculator


  • Insurance required for loans with no down payment
  • Cosigners may be needed for borrowers with low credit
CrossCountryat a glance

Editorial score

CrossCountry Mortgage at a Glance

Loan Types

Home Purchase, Home Equity, Refinancing

Featured Loans

Conventional, FHA, VA, Jumbo

Repayment Terms

Between 10-30 years

Suitable For

First-time home buyers


With an extensive portfolio of home equity, home purchase, and refinancing options, CrossCountry is a solid choice for first-time home buyers. CrossCountry is licensed in all 50 states and takes great pride in going above and beyond to meet customers’ needs while exceeding expectations. CrossCountry is an established mortgage loan company with a team of knowledgeable loan officers who accompany customers throughout the entire mortgage process.

Suitable for?

CrossCountry provides a wide variety of financial products and is well known for its home purchase and refinance loans. While CrossCountry strives to help first-time home buyers purchase their first starter home, it is also a great option for anyone who’s in the market to refinance, or wants to check the equity of their home. Anyone looking for a loan to consolidate their debt can also rely on CrossCountry.

Loan Features

CrossCountry offers traditional fixed rate and adjustable rate mortgages, as well as a wide variety of other loans. The lender offers multiple rates and terms on traditional loans, adjustable rate loans, VA loans, and even FHA loans.

  • Some loans, like USDA loans, have 100% financing, which means no down payment whatsoever

  • VA home loans also require no down payment

  • FHA loans are suitable for borrowers with low credit scores

  • Mortgage insurance is not required on all types of loans

  • Two types of FHA 203k loans are offered, but mortgage insurance is required

  • Some rates are fixed and some are adjustable which determines how much interest you ultimately pay in the end

  • Mortgage insurance is offered with all loans, but not required for all loans

CrossCountry Review

The application process at CrossCountry is simple and fast and you can get prequalified by filling out the easy online application.  Alternatively, you can call the loan officers at CrossCountry to apply for a mortgage over the phone.

The application process is completely confidential and secure, and applications are reviewed in a timely manner. Financial information, such as bank account information, and Social Security numbers are required. A loan officers will get in touch with you promptly to review your loan options.

Reviews Infographic

Loan Terms – The Bare Basics

For fixed rate mortgages terms typically range between 10 to 30 years. Adjustable Rate loans are also offered by CrossCountry with common terms of 5/1, 7/1 and 10/1.

  • A mortgage calculator can help determine how much payments and interest rates would be on your loan

  • The normal length of a home loan is 20 to 30 years

  • Cosigners may be needed for those with less than ideal credit

  • Most loans require a down payment with the exception of VA loans and USDA loans

  • Credit score information, Social Security numbers, driver’s licenses, and wage information are all required in order to determine your loan terms

  • Special benefits for applicants who prequalify

  • Payments can automatically be deducted from your checking or savings account

Repayment Terms

Repayment terms vary from loan to loan but a licensed loan officer can inform you of the repayment terms on the various loan options. 

Help & Support

The support staff at CrossCountry have been specially trained and licensed to guide buyers through every step of the mortgage process. Help and support is available if you have questions or concerns regarding your mortgage or if you just want to check the status of an application.

So, Should You Borrow With CrossCountry Mortgage, Inc.? 

CrossCountry offers a wide range of purchase and refinance options great for first-time homebuyers, as well as traditional home loans such as FHA and VA loans. For applicants who need help during the process, CrossCountry's team of highly-skilled loan officers are always on hand to offer advice.

Physical Address

6850 Miller Road




Bestmoney Staff
Written byBestmoney Staff

Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.

PoorReviews 22

Trustpilot reviews

See what some costumers are saying about CrossCountry
PoorReviews 22
  • author
    Angela Maria
    Sep 02, 2022
    CrossCountry Mortgage - Wished I Had Found Them Earlier!

    I don’t usually write many reviews but am so pleased with Gina Myers and her team (Gladys Reyes and Stephanie Mejia) at CrossCountry Mortgage that I wanted to share my experience. Now that I have closed and looking back, I couldn’t be happier and wished I had used Gina and her team for all my previous home purchases and refinancing (two previous home purchases and four refinances). After getting a bit frustrated with the lenders I had been speaking with, I asked my realtor for a recommendation and she pointed me immediately to Gina Myers at CrossCountry Mortgage. After an email introduction later that evening, she called and we spoke at 9pm, and I sent her my information that same night (I was planning on putting in an offer very quickly). By 9:30 the next morning (!!!) Gladys had sent me several options and detailed information for each one, allowing me to not only make a much better decision financially (I had been working with and looking at options with other lenders), but also to quickly respond and put in a winning offer in an extremely competitive environment. They were extremely responsive to all my requests, re-running calculations and giving me updated projections and financial options, often in as little as 15 minutes. They patiently and thoroughly answered each of my questions and diligently provided regular updates twice a week throughout the entire process, and Gina herself would check in periodically to make sure all was going well. Regarding the user experience, I loved the ease and presentation of their comparison sheet, which included a video of Gladys explaining the information so I could review it as often as I needed and at my own convenience. Their secure online portal for receiving, sending, and retrieving all the necessary documents and reports was very easy to use as well. I closed in only 26 business days, with everything completed well before the scheduled closing. What really made the user experience so efficient and satisfying was the total team process and their close collaboration with everyone involved - the title company and realtor - so everyone was always updated and current every step of the way. Most importantly, I believe I received the very best financial option - one of the lenders who called to see if they could beat the offer I ended up selecting (they could not) even made the comment that the rate couldn’t possibly be real and I should make sure it was in writing (it was and it is! 🥰). Absolutely smoothest and best experience EVER!


  • author
    Joshua Hager
    Sep 09, 2022
    What Your Escrows

    What was a great mortgage processing and underwriting experience, and what was thought to be a great closing experience was trash. Three months after closing learning that your mortgage payment increased because the Closing/Funding Team of this mortgage company failed to calculate our escrows correct. This lender is now getting a higher mortgage payment than I would've paid had they been honest. This lender is not honest at all.


  • author
    Matt D
    Aug 16, 2022
    I was hit by a tornado

    I was hit by a tornado. When that happens the insurance company sends all the money to your lender's loss draft department to release to you as repairs are done. My experience with CrossCountry through this process has been awful. They take days to respond or do not respond at all. When they do they email you documents that make you feel like youre drinking out of a firehose. Ive had 3 homes with 3 mortgages. I always setup autodraft and never thought much about there customer service. This disaster has shown me how it can be important and i wish I had another lender.


  • author
    Michael Waisberg
    Jul 31, 2022
    CrossCountry Mortgage is HORRIBLE and

    CrossCountry Mortgage is HORRIBLE and, out of the three houses I bought in my life, this was definitely the worst experience I had. Indeed, I would go as far as saying that the process of getting a mortgage with CCM was THE WORST EXPERIENCE OF MY LIFE. As mentioned by others here, CCM asks for a lot more documentation than any other company, they don’t tell you much about the mortgage requirements at any point, are slow at replying to questions and, as also pointed by other reviewers, they keep changing conditions until the last second (this is not a company for those faint of heart). Indeed, sometimes the changes occur multiple times a day and even at the last day before closure I was unsure if my mortgage was going to clear (they never issued an unconditional approval). Indeed, conditions changed abruptly up to the last minute when a request for additional funds and requests for paying off an auto loan and paying back my self (i.e. paying back my 401k loan that I was going to use as cushion for my first month at the house) showed up. I could write every single thing they did wrong, but to save everybody the time my review can be easily summarized with this: STAY AWAY FROM THIS COMPANY AND YOU WILL BE MUCH HAPPIER.


  • author
    Robert Goodrich
    Jul 25, 2022

    This company has been telemarketing me for over 4 weeks 5-6 times a week and I have asked repeatedly to be placed on their DO NOT CALL LIST. Every-time my requests are ignored and calls keep coming, I have filed an FTC compliant the worst part- I never asked to be contacted by this company at all they are illegally telemarketing consumers. Im looking at litigation options NOW>


  • author
    Jun 28, 2022

    RUN RUN RUN I Can't begin and won't waist any more of my time to tell you how bad they are Please read all the reviews on this site. all negative except 2 or 3, obviously written by employees Manger Nick is a Gangster from the hood He should not ever be involved with or be able to talk with customers


  • author
    adrian wagoner
    May 09, 2022
    This company will not stop calling and…

    This company will not stop calling and leaving messages! All automated from "Anna" We are talking more than a dozen! I will never do business with a business that is annoying and comes off as desperate!


  • author
    Charles Ortiz
    Apr 13, 2022
    Unprofessional & Rude, Go Somewhere Else!

    Extremely unprofessional and rude. They lacked timeliness, professionalism, and were careless. The loan officer I worked with did not seem like they knew what they were doing nor cared about my interests or timeline. Go elsewhere if you want good quality service.


  • author
    Apr 08, 2022
    On the onset they were pretty good…

    On the onset they were pretty good about everything. Loan took a while; but, it was my first house so I figured it was just part of the process. I learned that is not the case as of lately. My issue came a year after living in the property. I was restricted to certified funds due to the unpredictable way they would allow you to setup and pay your loan. You would submit for payment on the 30th of July for example, and it would be attempted to be pulled out of your account on the 22nd of August. Needless to say, when one is having a lot of financial issues going through court with an ex-wife, that timeline gets rather sketchy. I was placed on certified funds and had to send payments through Western Union. The issue... Western Union where I live couldn't find them. I had one of Crosscountries representatives on the phone with Western Union and the lady hungup out of frustration because it wasn't pulling up in the Western Union system. Obviously this not being able to pay turned into an issue. I went 45 days past due calling Crosscountry every other day actually begging for them to let me pay them over the phone. They would not let me under any circumstances. I finally after 45 days was able to pay through Western Union. I called Crosscountry and they said they would draft a letter and send it to the credit companies to have my 30 day late removed since they weren't supposed to send it in the first place. Fast forward from that happening in January and end of March I get a phone call and they tell me that I am behind over $2,200. (My house is only like $650 a month) So I tell the guy on the phone that's incorrect and I pull out my receipts that I leave in my car. I went through the dates and amounts and they were missing several. I had made 6 payments from January until March and they weren't showing some in the amount of $700. The guy on the phone said that he sees the issue and it will be taken care of. A week and a half later, April 7, I look on Experian in hopes of my credit score reflecting positive work on all fronts and then I see the 60 day late payment posted to my credit report. Not only did the company never put in to remove my 30 day from January but now they have also hit me with a 60 day in April. I have the receipts and they are not able to get their collective act together. I have contacted the company. Wish me luck on getting the rest resolved. My advice is to constantly seek a better company than this one. They did well for me at the beginning; however, the first sign of issue they have been the opposite of helping. My credit score has dropped a total of 102 points thanks solely to this company. And that's with paying my mortgage.


  • author
    Shari V
    Jan 22, 2022
    Horrible customer service

    Horrible customer service. Cross Country Mtg made the same mistake twice so far by paying the real estate taxes for our entire condo building of 14 units instead of just our portion of the bill. They took $25,000 out of our escrow account, money that wasn't even there, to pay the entire tax bill instead of the $2500 we were responsible for. Their customer service team does not help. They don't care. And they make the same mistakes over and over. Worst experience with a financial services company I've ever had.


  • author
    Spam stopper
    Jan 21, 2022
    Yet another USA spammer

    Yet again we have an American company that firstly is too stupid to realise that a email address is not even in their country so the person will have no interest in their products. Secondly they think it's OK to send spam emails and lie on their website stating that they don't. Thirldy they don't just send one email they keep sending them, several each day and over multiple days. Again too stupid to realise that this isn't the actions of a reputable business, but then they clearly aren't. Would you trust them with something as important as a mortgage, you have to have a unicellular brain like they obvioulsy do and not care about things or compliance with the law as they don't.


  • author
    Michael Bley
    Jan 19, 2022
    Cross Country Mortgage is THE WORST

    Cross Country Mortgage is absolutely by FAR the worst financial institution I have ever dealt with! First, the mortgage process was ridiculous with paperwork, they even took so long I had to re-submit years worth of both business and personal returns as well as provide more business P&L statements. Second, when my homeowners insurance expired, I got a new policy effective 9/1/2021. My old policy expired midnight 8/31/2021. Cross Country CHARGED me for a 1 day policy because they said my old policy elapsed! WHAT A BUNCH OF ID10T5! So they send me a 17 page policy in December for 1 day and take $10 out of my escrow. Well, I requested an escrow analysis because I noticed a balance of over $2,000 owed to me on escrow and they told me that I had to wait until January. It gets worse. I get a notice of escrow account disclosure dated 12/22/21 stating they are sending me a check for $2,385.84. I called 2 weeks ago 1/5/22 and they said they mailed it 12/23/21. Still not here. Worse yet, I mailed my January mtg payment 12/23 and as of 1/13 they claimed they had not received the check. Tried to make payment thru the web site, but they said they couldn't process so I called and paid a fee of $11.50 to pay by phone so I wouldn't be late. That evening, both the check and my phone payment hit my account so I was overdrawn on the bank and had to pay an overdraft fee. I called the next day and Cross Country refused to refund the phone payment or the check, saying they applied excess funds to my February statement and to my principle (escrow analysis showed my monthly payments decreasing by over $140). I did not authorize them to pay for statements I had not received nor allocate additional funds to the principal. Nobody called, emailed, or texted for permission to allocate these funds. CROOKS!


  • author
    Jody Steere
    Oct 20, 2021

    RUN AWAY...Mackenzie Packham " officer" but what we didn't realize is that she had little experience with a difficult loan. We explained our situation and told her we didn't want her to order appraisals etc (we have to pay for them- we have plenty of equity - it was a check the box thing) if she couldn't close on the loan for other reasons. She said she "had no problem" closing, ordered the appraisal and then COULDN"T CLOSE. that was a waste, until we found another loan officer (different Co) but the appraiser WE PAID for wouldn't give us the required information to close and we had to pay for yet another appraisal. That is robbery. WE PAID for the appraisal, we should own it. Mackenzie doesn't know what she's doing, (I'm sure it was inexperience) but as far as customer service or any understanding she has zero. all she wants is to make her buck. cares less about what is going on with your loan. I have an email stating not to order an appraisal until she had all her ducks in a row (We knew the appraisal wasn't the snag) Out of country re-fi's are complicated. RUN DO NOT GO HERE


  • author
    Dyanna Prinz
    Aug 03, 2021
    A new style of lender…

    5 years ago I contacted the James Beard Team. I sat down and Talked with Jackie and she advised me on how to reach my goal of home buying. The house deal fell through via sketchy seller. I remember what Jackie taught me and recently I went in and started the process of buying a home. The company is precessional yet I leave with the feeling of a close family. Alex is the bomb. This is the first Time I’ve felt comfortable and confident and not as if I were hoping, begging, or pleading for a home loan. Make an appointment plan out a home purchase take their advice and I promise you’ll leave satisfied, condiment, and pleased with the family known as James Beard Team.


  • author
    Jul 02, 2021
    Awful experience

    Awful experience. Once the process was started on my refi, everything moved very slowly- it seemed they only worked on the loan when I would email asking for an update. For over a month, I was told the loan was in underwriting and was almost finished. At over six weeks into the process, I again asked the status, and was told everything was wrapping up. Suddenly, I was told there were snags and that the process couldn't move forward. No sympathy, no apology for not being upfront weeks earlier. They are a large company and customer service isn't their concern. Definitely stay away if you don't want to be led on!


  • author
    Pete Oconnor
    Apr 29, 2021
    Very good mortgage place and great…

    Very good mortgage place and great rates!


  • author
    Apr 26, 2021
    My experience has been an absolute…

    My experience has been an absolute nightmare. I have emails and texts to back up everything I state here. I should have known when the loan officer started off like a used car salesman telling me if I went with him today he would give me a considerably lower rate than anyone else had originally quoted, including himself. I have almost perfect credit (over 800) and no debt at all. Nothing seemed to be progressing after the first week even though I had submitted everything they asked for on the same day each time they asked for it. When I asked for a status update, I was told they "could not live and die on this account every hour of the day, one day is not going to delay anything." After demanding the status I was told my file went to underwriting on March 18th and confirmed again on March 22nd in writing it was in underwriting. On April 8th I got an email from the company saying the file had just been submitted to closing was supposed to happen April 9th. Well, cut to my 5th extension I had to sign because of the incompetence and I have still not closed as of April 26th. Every single day they tell me they need a few more things and these are the absolute last things they will need. Every single person involved, financial advisor, attorney, realtor and anyone else who has had to be involved said these people have no idea what they are doing and they've never dealt with anything like this before. Other than the obvious annoyance of being strung along, this has affected me financially, my living arrangements and all the little things like moving and deliveries and mail that have become impossible being in limbo. The sellers are also at the point where they won't even let me switch companies and want to pull out of the deal. I would not only never recommend Cross Country Mortgage to anyone, I will let everyone know this is the worst experience of my life and tell them to avoid this company at all costs. I wish I had just paid the higher rate with another company, it would have saved me time and money at this point.


  • author
    Debbie Moses Day
    Apr 07, 2021
    I have bought many houses in my life…

    I have bought many houses in my life time and refinanced some as well. I have never worked with a more professional bunch of folks as Justin, Nikki and Melissa. It went so smoothly and so quick as well!! They closed my loan very fast without a single issue. Justin also shows you with graphs and other things to let you know exactly where the figures fall for refinancing. They stay in touch and explain each step. I just can't say enough good things about this mortgage company and their people!!!!! If you need to buy or refinance please give them a call you will be glad you did, SERIOUSLY !!! P.S. Their branch is in Southlake but my entire loan was done on line until final signing and a notary came to my house. I never had to leave home.


  • author
    Artur G
    Mar 22, 2021
    Overpromising, disgraceful to customers!

    Spoiler alert : Stay away from them ! Find reputable bank for credit union. Save yourself headache and don't engage with poachers that just look for simple application with perfect scores ! I own multiple properties and have refinanced two of them previously. This time i went through Costco since as we all know they stand behind customer. Well was i up for surprise when dealing with this guys!? After they locked my rate , i paid for appraisal i was very excited to have things going. Once they found out i have very small linen on the house , they completely dropped my case. They kept telling me documents were sent to the linen company for subordination, kept dodging my calls and emails for status. After i was told they submitted my application, i called myself (30 days later) just to find out nobody submitted my application. All of this took 120 days and the cherry on the cake was them telling me that my lock is lost and i can no longer refinance for the same rate!


  • author
    Jan 18, 2021
    We've lost a house, inspection and attorney fees

    Michael Massimi, the mortgage broker working for CrossCountry Mortgage, has lied to us. Instead of doing the competent work, he assured us the we would get a loan and we proceeded with a contract to buy a house. We spent $650 on home inspection, $1000 on attorney, $350 on oil tank inspection and $600 on house appraisal only to learn that in the end the CrossCountry has rejected us. Before we learned about that, we also went ahead and cancelled our apartment lease and started packing. Since the loan origination was delayed by one month, the seller pushed us to pay $250 per day in delay fees. Of course, Michael Massimi has disappeared and couldn't get in touch for comment. We've lost a house and all the money. I can't recommend this broker and this company to anyone who is looking to get a mortgage.


  • author
    Dec 01, 2020
    Found this company through Costco and…

    Found this company through Costco and things went well up until the appraisal company they hired returned a faulty report. Granted, they had no control over the appraisal report, but the loan officer offer a refund of the appraisal fee. We accepted that offer, but the refund never came and our inquiries on an update on that refund were ignored.


  • author
    May 31, 2020
    I can't really recommend the Costco…

    I can't really recommend the Costco CrossCountry mortgage company. I usually get great service from Costco vendors but in this case, the closing costs and rate was higher than most others and the service was pretty bad. The loan officer seemed burned out and didn't put forth much effort.


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