CrossCountry Review

Sarah Pritzker

In a Nutshell

CrossCountry Mortgage does everything a lender could, offering refinance, purchase loans and home equity loans, as well as government backed FHA and VA loans. They offer mortgages that range from 10-30 years with added benefits for borrowers who prequalify.


  • Dedicated loan officer for each customer
  • Range of purchase and refinance options
  • Handy mortgage calculator


  • Insurance required for loans with no down payment
  • Cosigners may be needed for borrowers with low credit

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CrossCountry Mortgage at a Glance

Loan Types

Home Purchase, Home Equity, Refinancing

Featured Loans

Conventional, FHA, VA, Jumbo

Repayment Terms

Between 10-30 years

Down Payment

0-20% on some loans

Credit Score


Suitable For

First-time home buyers


With an extensive portfolio of home equity, home purchase, and refinancing options, CrossCountry is a solid choice for first-time home buyers. CrossCountry is licensed in all 50 states and takes great pride in going above and beyond to meet customers’ needs while exceeding expectations. CrossCountry is an established mortgage loan company with a team of knowledgeable loan officers who accompany customers throughout the entire mortgage process.

Suitable for?

CrossCountry provides a wide variety of financial products and is known for its home purchase and refinance loans. While CrossCountry strives to help first-time home buyers purchase their first starter home, it is also a great option for anyone who’s in the market to refinance, or wants to check the equity of their home. Anyone looking for a loan to consolidate their debt can also rely on CrossCountry.

Loan Features

CrossCountry offers traditional fixed rate and adjustable rate mortgages, as well as a wide variety of other loans. The lender offers multiple rates and terms on traditional loans, adjustable rate loans, VA loans, and even FHA loans.

  • Some loans, like USDA loans, have 100% financing, which means no down payment whatsoever

  • VA home loans also require no down payment

  • FHA loans are suitable for borrowers with low credit scores

  • Mortgage insurance is not required on all types of loans

  • Two types of FHA 203k loans are offered, but mortgage insurance is required

  • Some rates are fixed and some are adjustable which determines how much interest you ultimately pay in the end

  • Mortgage insurance is offered with all loans, but not required for all loans

CrossCountry ReviewThe Application Process

The application process at CrossCountry is simple and fast and you can get prequalified by filling out the easy online application.  Alternatively, you can call the loan officers at CrossCountry to apply for a mortgage over the phone.

The application process is completely confidential and secure, and applications are reviewed in a timely manner. Financial information, such as bank account information, and Social Security numbers are required. A loan officers will get in touch with you promptly to review your loan options.

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Loan Terms – The Bare Basics

For fixed rate mortgages terms typically range between 10 to 30 years. Adjustable Rate loans are also offered by CrossCountry with common terms of 5/1, 7/1 and 10/1.

  • A mortgage calculator can help determine how much payments and interest rates would be on your loan

  • The normal length of a home loan is 20 to 30 years

  • Cosigners may be needed for those with less than ideal credit

  • Most loans require a down payment with the exception of VA loans and USDA loans

  • Credit score information, Social Security numbers, driver’s licenses, and wage information are all required in order to determine your loan terms

  • Special benefits for applicants who prequalify

  • Payments can automatically be deducted from your checking or savings account

Repayment Terms

Repayment terms vary from loan to loan but a licensed loan officer can inform you of the repayment terms on the various loan options. 

Help & Support

The support staff at CrossCountry have been specially trained and licensed to guide buyers through every step of the mortgage process. Help and support is available if you have questions or concerns regarding your mortgage or if you just want to check the status of an application.

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So, Should You Borrow With CrossCountry Mortgage, Inc.? 

CrossCountry offers a wide range of purchase and refinance options great for first-time homebuyers, as well as traditional home loans such as FHA and VA loans. For applicants who need help during the process, CrossCountry's team of highly-skilled loan officers are always on hand to offer advice.

Physical Address

6850 Miller Road




Sarah Pritzker is a content writer with years of experience and a keen interest in the vast world of online consumer products. She enjoys helping readers make sense of the options on the market in a variety of fields.

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25 Jan 2021

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