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  3. CrossCountry Mortgage Refinance Review

CrossCountry Mortgage Refinance Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
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CrossCountry Mortgage is a nationwide full service lender dedicated to providing excellent customer service through every step of their customers' application process. The Ohio-based company offers a full range of home financing, refinancing, and equity-based products. CrossCountry was founded in 2003, and is licensed in all 50 states. They are also BBB-accredited with an A rating.
 
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How is CrossCountry Mortgage Refinance rated?

Breakdown

4.5/5
Loan Variety
4.5/5
Ease of Process
5.0/5
Customer Service and Reputation
4.0/5
Discounts and fees

Overall Rating: 4.6 / 5 (Excellent)

CrossCountry Mortgage has been providing mortgage refinance loans since 2003, and the experience they've garnered has resulted in positive reviews focused on their quick, efficient service.

Their portfolio of loan options covers virtually every need a borrower may have, with a comprehensive array of term lengths.

Loan Options

Lender Type
Lender
Loans Offered
Rate & Term
Cash-out
Loan Programs
FHA
VA
Conventional
HARP
Jumbo
USDA
Fixed Year Terms
30 Year Fixed
15 Year Fixed
Adjustable Rate Mortgage Terms
10/1 ARM
7/1 ARM
5/1 ARM
3/1 ARM

Loan Variety - 4.5 / 5

CrossCountry Mortgage offers one of the widest varieties of mortgage refinance options among the companies we evaluate, from conventional loans to government backed ones (FHA, USDA, HARP, and VA).

The terms for their adjustable-rate mortgages are amongst the most comprehensive we've found, ranging from as little as three years to ten.

Application Process

FHA Minimum Credit Score
580
Closing Time
Average of 40 days.

Ease of Process - 4.5 / 5

CrossCpuntry Mortgage's application process (at least, for a quote), can be completed fast online, so borrowers can quickly get a good idea of how much money and savings could be available to them.

Closing times are about average, at forty days. Unfortunately, in order to get more specific rates and terms, borrowers must submit some personal data, as their website is a bit sparse on specifics.

CrossCountry Mortgage Refinance Reputation

Memberships & Regulatory Info.

Nationwide Mortgage Licensing System ID
3029
Nationwide Mortgage Regulatory Actions
3
NMLS Collection Date
1994-07-17
CFPB Total Mortgage Complaints
32
CFPB Collection Date
2017-07-13
Total VA Loans Written (Q1 2017)
600 loans
Total VA Loan Amount (Q1 2017)
$168

Online Reviews

BBB Rating
A
BBB Positive Reviews
42
BBB Negative Reviews
15
Date Collected
2017-07-17

Customer Service and Reputation - 5 / 5

CrossCountry Mortgage has a fairly good reputation amongst its present and former customers, with considerably more positive reviews than bad.

However, they do have three regulatory actions against them and several CFPB complaints. As with any lender, we recommend that prospective borrowers make sure to read all the fine print in the contract and conduct thorough research before making a final decision.

Contact & Additional Information

Homepage URL
https://crosscountrymortgage.com/
Company Phone
(877) 245-8383
Headquarters Address
6850 MILLER ROAD, Brecksville, OH, 44141
Mailing Address
6850 MILLER ROAD, Brecksville, OH, 44141
Year Founded
2003

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Customer Comments & Reviews

Loading Reviews ...
Cathy W
8/17/2020
Jumped through many months of hoops to qualify and now this! Closed in February, 2020, and still trying to get equity checks to be submitable to correct companies for correct amounts. Closing loan officer won't respond to my messages or e-mails and neither will his manager. I call CrossCountry Mortgage contact numbers from the internet and don't get anyone to answer. Where is everyone? I have 2 checks for $3,000+ that I cannot use. My money, that is included in my mortgage, that I'm making payments on.

T
Trudy K
9/12/2017
Cross Country Mortgage Company failed to realize that even though the previous owner of my home qualified for the Homestead exemption, I did not. Three years into my owning this home, I was hit with an unrealistic increase in payment due to their error.

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