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CrossCountry Mortgage is one of the 20 largest mortgage lenders in the U.S. It offers $4,000 in down payment help for first-time homebuyers and earns an above-average rating from J.D. Power.
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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, refinancing and more
Min. credit score required
620 for conventional loans, 660 for jumbo loans, 500 for FHA loans
Nationwide availability
All U.S. states
Min. down payment
3% for conventional loans, 3.5% for FHA loans, none for VA loans and USDA loans
4.0
Bankrate Score
Loans offered
Conventional, jumbo, FHA, VA, USDA, refinancing and more
Nationwide Availability
All U.S. states
Min. credit score required
620 for conventional loans, 660 for jumbo loans, 500 for FHA loans
Offers a diverse range of mortgage products
Provides $4,000 in down payment assistance to first-time homebuyers
Scores well on customer satisfaction surveys
Offers “Refinance Later” option with a discount on a future refi
No mortgage rates on its website
Rates and fees can be above average
CrossCountry Mortgage is one of the 20 largest mortgage lenders in the U.S. It offers $4,000 in down payment help for first-time homebuyers and earns an above-average rating from J.D. Power.
You won’t find CrossCountry Mortgage’s rates advertised on its website, but you can use the site to request a free rate quote. Notably, this lender doesn’t charge fees.
CrossCountry Mortgage is available to borrowers nationwide and offers the full range of home financing services. This includes conventional (conforming and non-conforming) and government-insured loans, as well as other specialty 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, although it still ranked above-average in J.D. Power’s 2023 report on mortgage origination customer satisfaction. In terms of experience, you can expect a preapproval in under 24 hours and a conditional approval in less than two days (provided you qualify), and the lender routinely closes in as little as three weeks. It also offers the convenience of an online My Loan Servicing account, where borrowers can make mortgage payments, view account information and review payment history.
Learn more: How to choose a mortgage lender
You can apply for a mortgage with CrossCountry Mortgage in person at a branch location, online or by phone at 877-351-3400. Here are some tips to prepare for the process:
CrossCountry Mortgage offers both rate-and-term and cash-out refinancing options. CrossCountry’s Buy Now, Refinance Later program takes some of the sting out of refinancing by giving you a $1,500 break if you refi with the lender. You must close on your loan by March 31 to qualify.
Learn more: When should you refinance your mortgage?
CrossCountry Mortgage’s CCM Smart Start program provides up to $5,250 in down payment assistance for first-time homebuyers. You could be eligible if you’re a first-time buyer making 80 percent or less of your area’s median income (you can look up your area here).
The FastTrack Credit Approval program accelerates loan processing and underwriting by verifying your credit before you sign a home purchase agreement. Once you’re approved, you could close your loan in as few as seven days following the signing of a purchase contract.
Rating: 4 stars out of 5
4.0
Bankrate Score
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Loans offered Conventional, jumbo, FHA, VA, USDA, refinancing and more |
Loans offered Conventional, jumbo, FHA, refinancing and more |
Loans offered Conventional, jumbo, FHA, VA, USDA, refinancing and more |
Min. credit score required 620 for conventional loans, 660 for jumbo loans, 500 for FHA loans |
Min. credit score required 620 for conventional loans, 500 for FHA loans |
Min. credit score required 620 for conventional loans, 580 for FHA loans, 580 for VA 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 |
Down payment 3% for conventional loans, 3.5% for FHA loans, none for VA loans and USDA loans |
Nationwide availability All U.S. states |
Nationwide availability Available in all U.S. states except Texas |
Nationwide availability All U.S. states |
3.5
8 ratings
This lender has 5 recent reviews.
63% of customers would recommend this lender.
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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.
Rates and terms of loan honored?
Closed mortgage with this lender?
Closed on time?
Would you recommend this lender?
Rates and terms of loan honored?
Closed mortgage with this lender?
Closed on time?
Would you recommend this lender?