CrossCountry Mortgage Refinance Review

Rating: 8.9 / 10 (Excellent)
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CrossCountry Mortgage, Inc. is a nationwide full service lender with licenses in 50 states and braches from coast to coast. The company offers a wide portfolio of purchase and refinance options ranging from traditional home loans to niche programs. Its licensed loan originators work with each client to determine the best possible refinance solution to meet their financial goals. CrossCountry Mortgage, Inc. has been recognized on the 5000 List of America’s Fastest Growing Private Companies and Weatherhead 100 List of Northern Ohio’s Fastest Growing Companies.

Types of Home Refinancing Mortgages

  • Fixed Rate Mortgage
  • Adjustable Rate Mortgage
  • Cash-Out Refinance
  • FHA Loan
  • VA Loan
  • HARP Loan
  • VA Streamline Refinance
  • VA Interest Rate Reduction Finance Loan
  • USDA Streamline
  • USDA Loan
  • Jumbo Loan

Other home loan options:

  • Home Equity Loans
  • Home Purchase Loans
  • Specialty Loan Programs
  • Reverse Mortgages

Qualifying for Mortgage Refinance

Eligibility varies on the type of mortgage refinance program selected. For fixed rate loans and adjustable rate mortgages (ARMs), borrowers must have sufficient income and credit history to qualify.

Things That You Will Need

  • Copies of W-2s or tax returns for the previous 2 years
  • Form 1003 (residential loan application) including the attached Fair Lending notice, loan info sheet, and credit authorization
  • Last 3 bank statements along with the most recent statements for any mutual funds, stock accounts, or IRA/401(k)
  • Letter explaining how you plan to utilize refinance proceeds if you’re seeking a cash-out refinance
  • Settlement agreement and divorce decree if applicable
  • If you own rental units, provide the most recent rental agreement and tax returns for previous 2 years
  • If you’re applying for a second loan, include the first mortgage note
  • If you’re filed for bankruptcy, present a schedule of discharge notice, filing, and creditors
  • Non-U.S. citizens must present their Green Card or H-1 or L-1 visa

Refinance Mortgage Rates

Mortgage refinance rates depend on a number of factors such as market rate, credit score, terms, and programs. As an illustration, we have provided a table below with sample information to show potential savings between loan terms. Rates and information listed are for example purposes only.


15-Year Fixed

30-Year Fixed

% Down



Loan Amount



Sample Closing Costs



Sample Rate



Sample Loan APR



Estimated Monthly Payment



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. 

Why Mortgage Refinance at CrossCountry Mortgage

CrossCountry Mortgage, Inc. provides consumers a wide range of mortgage refinance options. Its rates are highly competitive, giving homeowners the opportunity to potentially save on future loan payments. All in all, the wide range of loan products available makes CrossCountry Mortgage, Inc. a good option for homeowners searching for more affordable home financing.

All loans subject to underwriting approval. Certain restrictions apply. Call for details. NMLS3029 ( Equal Housing Opportunity

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