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CrossCountry Mortgage is good for borrowers looking for an array of loan options, an end-to-end digital experience and a fast process. It can provide a preapproval in under 24 hours (with conditional approvals in less than two days), and its streamlined review process can help you close in as little as 21 days.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
Loans offered
Conventional, jumbo, FHA, VA, USDA, fixed-rate, adjustable-rate; refinancing, home equity line of credit (HELOC)
Min. credit score required
620 for conventional loans; 660 for jumbo loans; 500 for FHA loans
Nationwide availability
All states
Min. down payment
3% for conventional loans; 3.5% for FHA loans; none for VA loans and USDA loans
4.1
Bankrate Score
Loans offered
Conventional, jumbo, FHA, VA, USDA, fixed-rate, adjustable-rate; refinancing, home equity line of credit (HELOC)
Nationwide Availability
All states
Min. credit score required
620 for conventional loans; 660 for jumbo loans; 500 for FHA loans
Can close most loans in as little as 21 days
Extensive range of available loan types, including HELOCs
Dedicated loan officer throughout the process
Current offers not displayed on the lender’s website
Doesn’t rate highly for customer satisfaction
CrossCountry Mortgage is good for borrowers looking for an array of loan options, an end-to-end digital experience and a fast process. It can provide a preapproval in under 24 hours (with conditional approvals in less than two days), and its streamlined review process can help you close in as little as 21 days.
To determine CrossCountry Mortgage’s Bankrate Score, Bankrate’s editorial team rated it and other lenders on a scale of one to five stars based on a variety of factors relating to the lender’s products and services. (Bankrate’s partners compensate us, but our opinions are our own, and partner relationships do not influence our reviews.) We derived its overall score by considering three basic factors:
CrossCountry Mortgage doesn't display mortgage rates online. You can obtain a free rate quote from the lender, but you must fill out an online form with information regarding the loan purpose, location of the property and loan amount, as well as personal information such as your credit score, name, email address and phone number. After providing this information, the lender will reach out to you to discuss available loan options and rates.
CrossCountry Mortgage is available to borrowers in every state and offers the full range of home financing services. This includes conventional (conforming and non-conforming) and government-insured loans, as well as other speciality loan products including reverse mortgages.
CrossCountry Mortgage has been a Better Business Bureau-accredited business since 2016 with an A+ rating. Its customer reviews with the BBB and Trustpilot, however, are less than stellar, and it ranked far below average in J.D. Power’s 2022 report on mortgage origination customer satisfaction. However, it does offer the convenience of an online My Loan Servicing account, where clients can make mortgage payments, view account information and review payment history.
If you’re interested in a CrossCountry Mortgage, you’ll have the option to apply for your loan by mail, over the phone or in-person. If you fill out a form to get prequalified or preapproved online, a loan officer will reach out within 24 hours to go over your options. The lender also allows you to apply for a mortgage online through an end-to-end digital platform where you can securely upload documents and e-sign disclosures. There is also a co-pilot feature where loan originators can remote in, in real-time, to provide assistance. In addition, the lender offers a variety of resources through its website, such as mortgage calculators, a glossary and videos.
Here are some tips to prepare for the process:
Whether you’re interested in a conventional or government-backed loan, CrossCountry Mortgage can help you refinance your existing mortgage. You’ll apply the same way you apply for a home purchase loan: online, by phone or in-person at a branch.
CCM Smart Start provides up to $4,000 in down payment assistance for first-time homebuyers. However, this program is available only to borrowers who make 80 percent or less of their area’s median income, so you must make enough to qualify for a loan without overshooting the income requirements.
CrossCountry’s FastTrack Credit Approval program allows you to close in as few as seven days after signing a purchase agreement (barring any conditions such as the need for additional documentation).
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Rating: 4.1 stars out of 5
4.1
Bankrate Score
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Loans offered Conventional, jumbo, FHA, VA, USDA, fixed-rate, adjustable-rate; refinancing, home equity line of credit (HELOC) |
Loans offered Conventional, jumbo, FHA, VA, USDA; refinancing; home equity lines of credit, home equity loans |
Loans offered Conventional, jumbo, fixed-rate, adjustable-rate; rate-and-term and cash-out refinancing |
Min. credit score required 620 for conventional loans; 660 for jumbo loans; 500 for FHA loans |
Min. credit score required 620 for conventional loans, 620 for jumbo loans, 620 for FHA loans, 640 for USDA loans |
Min. credit score required 620 for conventional loans, 700 for jumbo loans |
Down payment 3% for conventional loans; 3.5% for FHA loans; none for VA loans and USDA loans |
Down payment 3% for conventional loans; 3.5% for FHA loans; none for VA loans or USDA loans |
Down payment 3% for conventional conforming loans, 10.01% for jumbo loans |
Nationwide availability All states |
Nationwide availability All U.S. states |
Nationwide availability Available in all U.S. states |
5.0
5 ratings
This lender has 4 reviews.
100% of customers would recommend this lender.
The consumer reviews posted on Bankrate.com ("Bankrate") are individual, subjective opinions of reviewers, and not of Bankrate. Bankrate does not endorse any of the opinions expressed by reviewers or any responses to reviews.
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To help serve you with relevant information, the consumer reviews shown below are limited to only those that this advertiser has received during the past 12 months.
Terms of loan honored?
Closed mortgage with this lender?
Closed on time?
Would you recommend this lender?
Terms of loan honored?
Closed mortgage with this lender?
Closed on time?
Would you recommend this lender?