CrossCountry Mortgage Review

Rating: 8.6 / 10 (Excellent)
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Ohio-based CrossCountry Mortgage, Inc. was founded in 2003 and has grown its nationwide footprint with over 130 branches from coast to coast. The company offers a wide range of purchase and refinance options ranging from first-time homebuyer programs and traditional home loans (Conventional, FHA and VA loans) to niche programs. CrossCountry is licensed in all 50 states and made the Inc. 5000 List of America’s Fastest Growing Private Companies four years in a row (2012–2015). For every mortgage solution, CrossCountry features a dedicated loan officer to work closely with the client to ensure they are getting the proper loan at the most competitive rates. 

Types of Home Purchase Mortgages Offered by CrossCountry Mortgage, Inc.

CrossCountry offers a wide variety of options for those wishing to purchase a home.

Conventional Mortgages

  • Fixed Rate - Rate and payment stays the same for life of the loan regardless of market fluctuations. Terms typically range between 10 - 30 years. However, rates and payments are usually higher than adjustable rate mortgages.
  • Adjustable Rate (ARM) - ARMs usually have a lower initial interest rate than a fixed-rate mortgage and may be beneficial if you don’t plan on staying in your home long-term. Common terms are 5/1, 7/1 and 10/1. However, with an ARM your rate may increase with market rates and your payment could increase.

FHA Loans

FHA loans are insured by the Federal Housing Administration, a division of the U.S. Department of Housing and Urban Development (HUD). Some of the advantages offered by these loans are low down payments and no debt-to-income restrictions.

  • FHA 203(K) Standard - Allows borrowers to buy houses that need renovation and bundle the repair cost into the body of the loan. FHA 203(K) Standard requires a minimum of $5,000 in repairs but no maximum.

Home in One

CrossCountry's Home in One program is an option for those who cannot come up with a substantial down payment. The program only requires the borrower to come up with 1%, and CrossCountry adds 2% as a non-repayable gift. Closing costs can be paid by family or secondary finance. They are available as 15, 20, or 30-year fixed-rate mortgage.

VA Loans

VA loans are normal mortgages that are available to qualifying military personnel and insured by the federal government. Because of this, they offer substantial advantages like no down payments and competitive interest rates.


These are loans that offer 100% financing for rural homeowners. They were designed to assist low and very low income families to buy, renovate, build, relocate, or repair a home.

Jumbo Loan

Jumbo loans provide up to 2 million to buy high cost, luxury homes. As with conventional mortgages, they are available in fixed or variable rates. 

Sample Loan Scenarios with CrossCountry Mortgage, Inc.

CrossCountry offers a handy mortgage calculator on its website so you can get the basic details for any of the above loans.



5/1 ARM

Loan Amount



30 Years

Starting Interest Rate


First Monthly Payment


Rate Cap


Expected Adjustment


Rate Fixed For

5 Years

Period between adjustments

1 Year

Total Payments


Total Interest


*Calculation shown above assumes annual amortization and feature sample rates only. The estimated payment doesn’t include taxes and homeowners insurance. 


To approve mortgages CrossCountry must first verify employment history, credit, property value and assets. You will be required to provide the following information where applicable:

  • Residential Loan Application - Form 1003
  • W-2s or tax return for last 2 years
  • Most recent rental agreement
  • Last 3 bank statements, including 401K, stocks, or mutual funds.
  • Non US citizens must provide green card
  • Details of bankruptcy filings

Mortgages with CrossCountry Mortgage, Inc.

CrossCountry is a great place to consider if you are in the market to purchase a home mainly because of the options they can provide. The company offers most types of mortgages out there and can guide you toward the one that best suits your situation and gets you the best deal in the long run. What's more, CrossCountry's dedicated loan officers have the knowledge to present you with options you may not be aware of or have even considered.

All loans subject to underwriting approval. Certain restrictions apply. Call for details. Certificate of Eligibility required for VA loans. USDA Loans: Borrower income limited to 115% of median income for the area. Borrowers must have reasonable credit histories. 30-year loan term. Housing costs cannot exceed 29% of income; total debt payments cannot exceed 41% of income. Homes must meet state and HCFP building codes. Funding fee required. Available only in designated USDA rural areas. NMLS3029 ( Equal Housing Opportunity.

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Customer Comments & Reviews

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Barry C
Columbus, Georgia
Crosscountry is not a honest company. They told me one thing on the phone but then after we signed all the documents it was another. They told me that I would get my escrow money from my previous lender to offset the closing cost but then I found out they had my previous mortgage holder send the money to them. And of course the kept it and said they needed it to make the deal work.

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