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CrossCountry Mortgage, Inc. Review

ByBestmoney StaffNov. 16, 2020

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In a Nutshell

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

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




CrossCountry customer testimonials

AverageReviews 5
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  • 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.