CrossCountry Mortgage Avis 

bought a place in Florida and cross country mortgage unfortunately, is our lender. We have owned probably 10 different pieces of real estate in our life, paid mortgages in full and on time and have never had a hassle. We both have excellent credit scores (above 800). We were part of the hurricane Ian, and therefore received a large amount of money from our insurance company who is very generous but because we have a mortgage cc mortgage holds and disperses the funds. Every single question I have for cross country mortgage turns into a nightmare. I think they have the rudest staff of anyone around. One dept does not know what the other departments are doing. Everyone has to transfer you and miraculously there is never a manager to speak to, and they never call back when requested. There is zero accountability. My loan was in deferment, but they continue to take my mortgage out of my checking account. It was pulling teeth to get my insurance payments from them even though the amount we are putting back into our place is twice what we received from the insurance company. I asked to get rid of my PMI insurance, and that was mixed up. There is not one thing that goes right. I turned them into the Better Business Bureau, and I still never received a phone call but lots of letters responding incorrectly. All I’m saying is runaway runaway runaway. It is the worst Company I’ve ever dealt with across-the-board bar none. If I could give a minus 10 I would.

If I could, I would give a 0 rating. I contacted Cross Country regarding a cash out mortgage. The man was nice, provided a quote and I signed some initial documents. I did not upload all the information at that time. A 2nd company called, offered a rate of almost 1% lower and $1000 less in closing fees. I contacted Cross Country, left a message for the person I was working with and sent him an email I would be going elsewhere. The next morning, I was notified the FHA case was filed. THEN he contacted me and asked what was going on. That was over a week ago. The new mortgage company has been trying to have the FHA case transferred but Cross Country has not released it. They are unresponsive to phone calls, emails, etc. I was finally told it should be 48 hours from when the email request was received. It took 3 days to find out it needed to be requested by email!

Anyway, I am sorry I ever started working with this company.

Stop calling me!
I made 1 inquiry about refinancing in January and since then I have been inundated with daily phone calls from this company. I have asked nicely multiple times to be removed from their list and yet they keep calling!

They are untrustworthy and will lie to get your business. CrossCountry and the builder were supposed to provide 5K towards closing costs but when I locked in my rate, and interest rates went up past 6% while mine stayed at 4%, they refused to pay anything toward closing because - and they admitted this to me - it would make them lose money. It was in my contract that if I used their approved lender, I would get the 5K, but only the builder stuck to his portion of the 5K and I had to come up with extra cash the day of closing or lose the house. Up until that point all documents still listed the 5K on the closing documents so it was a bait and switch.

If I could I wouldn't give any stars. I asked to be contacted by cross country mortgage and yes a man called the next morning. When he called he asked me about 4 questions and when I answered the 4th question which is if I currently had a mortgage on my home I said no. Well he just hung up on my. What a way to conduct business. Smh. Because I don't owe anything on my home I'm not worth talking to. I wanted to know about the equity and home improvement loans or the options I could have but because I don't owe $ on my home I was even worth speaking to. Wow I just feel so discriminated against. Yes I did file a complaint not that will do any good but I should of at least been told they can't help me or something. Not just hung up on. This is just so disrespectful.

I contacted a mortgage loan officer around the 18th or 19 of January to let him know I would like to proceed in moving forward with his assistance in getting me pre approved for a home loan. He asked for the documentation for him to review so I emailed him the information. I didn’t hear back from him until January 31st. Additionally, I received an alert from Experian that he attempted to access my credit report without my consent on the day he tried to get back in touch with me. After having moved on to another mortgage company that approved me, he spoke to my realtor about my financial profile by which I did not give him authorized consent to do. (Midlothian, Virginia branch)

This company along w/ DMI is absolute the worst. They practice unfair and illegal consumer and trade practices and deny even when you own the home and deed is in your name by county clerks info! Disgusting, shady, nefarious and the absolute worst company to deal with. They've totally mismanaged my acct & try to blame it on the fact that they merged or were bought out by DMI 8/18/22. Do not use them!!

If I could give 0 stars, I would! HORRIBLE experience. We were lied to multiple times with this company on a cash out refinance. The documentation required is absurd. The property is owned free and clear! I have purchased 3 properties and have never had the issues that we have had with CC. I will NEVER recommend or try to use this company again. Very poor customer service and management

This company is definitely guilt of discriminatory practices. It seems that their mid-western offices are there to obstruct the process for borrowers who are non-white. We have documented dishonesty, extra scrutinization, a lack of transparency regarding their processes and their requests.

If you are ignoring their reviews like I did, stop doing so. The last mute curveballs and request, coupled with price gouging are VERY real aspects of their business dealings.

Highly recommend reading all the other reviews on better business bureau (BBB) and other websites before trying to start any type of loan process with cross country mortgage. They will extend closing date as long as possible in order to collect as many extension fees as they can. This is not an honest company to deal with and their poor ratings across several websites proves this. Highly recommend to stay far away from this company

The worst mortgage company I have ever experienced. Lack of professionalism with every person I have spoken with. They have withdrawn multiple duplicate payments, refused to refund, and charged me TONS of erroneous fees. I will never work with them again. Not worth it!

What was a great mortgage processing and underwriting experience, and what was thought to be a great closing experience was trash. Three months after closing learning that your mortgage payment increased because the Closing/Funding Team of this mortgage company failed to calculate our escrows correct. This lender is now getting a higher mortgage payment than I would've paid had they been honest. This lender is not honest at all.

I don’t usually write many reviews but am so pleased with Gina Myers and her team (Gladys Reyes and Stephanie Mejia) at CrossCountry Mortgage that I wanted to share my experience. Now that I have closed and looking back, I couldn’t be happier and wished I had used Gina and her team for all my previous home purchases and refinancing (two previous home purchases and four refinances).

After getting a bit frustrated with the lenders I had been speaking with, I asked my realtor for a recommendation and she pointed me immediately to Gina Myers at CrossCountry Mortgage. After an email introduction later that evening, she called and we spoke at 9pm, and I sent her my information that same night (I was planning on putting in an offer very quickly). By 9:30 the next morning (!!!) Gladys had sent me several options and detailed information for each one, allowing me to not only make a much better decision financially (I had been working with and looking at options with other lenders), but also to quickly respond and put in a winning offer in an extremely competitive environment. They were extremely responsive to all my requests, re-running calculations and giving me updated projections and financial options, often in as little as 15 minutes. They patiently and thoroughly answered each of my questions and diligently provided regular updates twice a week throughout the entire process, and Gina herself would check in periodically to make sure all was going well. Regarding the user experience, I loved the ease and presentation of their comparison sheet, which included a video of Gladys explaining the information so I could review it as often as I needed and at my own convenience. Their secure online portal for receiving, sending, and retrieving all the necessary documents and reports was very easy to use as well.

I closed in only 26 business days, with everything completed well before the scheduled closing. What really made the user experience so efficient and satisfying was the total team process and their close collaboration with everyone involved - the title company and realtor - so everyone was always updated and current every step of the way. Most importantly, I believe I received the very best financial option - one of the lenders who called to see if they could beat the offer I ended up selecting (they could not) even made the comment that the rate couldn’t possibly be real and I should make sure it was in writing (it was and it is! 🥰). Absolutely smoothest and best experience EVER!

I was hit by a tornado. When that happens the insurance company sends all the money to your lender's loss draft department to release to you as repairs are done.

My experience with CrossCountry through this process has been awful. They take days to respond or do not respond at all. When they do they email you documents that make you feel like youre drinking out of a firehose.

Ive had 3 homes with 3 mortgages. I always setup autodraft and never thought much about there customer service.

This disaster has shown me how it can be important and i wish I had another lender.

CrossCountry Mortgage is HORRIBLE and, out of the three houses I bought in my life, this was definitely the worst experience I had. Indeed, I would go as far as saying that the process of getting a mortgage with CCM was THE WORST EXPERIENCE OF MY LIFE. As mentioned by others here, CCM asks for a lot more documentation than any other company, they don’t tell you much about the mortgage requirements at any point, are slow at replying to questions and, as also pointed by other reviewers, they keep changing conditions until the last second (this is not a company for those faint of heart). Indeed, sometimes the changes occur multiple times a day and even at the last day before closure I was unsure if my mortgage was going to clear (they never issued an unconditional approval). Indeed, conditions changed abruptly up to the last minute when a request for additional funds and requests for paying off an auto loan and paying back my self (i.e. paying back my 401k loan that I was going to use as cushion for my first month at the house) showed up. I could write every single thing they did wrong, but to save everybody the time my review can be easily summarized with this: STAY AWAY FROM THIS COMPANY AND YOU WILL BE MUCH HAPPIER.

This company has been telemarketing me for over 4 weeks 5-6 times a week and I have asked repeatedly to be placed on their DO NOT CALL LIST. Every-time my requests are ignored and calls keep coming, I have filed an FTC compliant the worst part- I never asked to be contacted by this company at all they are illegally telemarketing consumers. Im looking at litigation options NOW>

RUN RUN RUN
I Can't begin and won't waist any more of my time to tell you how bad they are
Please read all the reviews on this site. all negative except 2 or 3, obviously written by employees
Manger Nick is a Gangster from the hood
He should not ever be involved with or be able to talk with customers

This company will not stop calling and leaving messages! All automated from "Anna"

We are talking more than a dozen!

I will never do business with a business that is annoying and comes off as desperate!

Extremely unprofessional and rude. They lacked timeliness, professionalism, and were careless. The loan officer I worked with did not seem like they knew what they were doing nor cared about my interests or timeline. Go elsewhere if you want good quality service.

On the onset they were pretty good about everything. Loan took a while; but, it was my first house so I figured it was just part of the process. I learned that is not the case as of lately. My issue came a year after living in the property. I was restricted to certified funds due to the unpredictable way they would allow you to setup and pay your loan. You would submit for payment on the 30th of July for example, and it would be attempted to be pulled out of your account on the 22nd of August. Needless to say, when one is having a lot of financial issues going through court with an ex-wife, that timeline gets rather sketchy.
I was placed on certified funds and had to send payments through Western Union. The issue... Western Union where I live couldn't find them. I had one of Crosscountries representatives on the phone with Western Union and the lady hungup out of frustration because it wasn't pulling up in the Western Union system. Obviously this not being able to pay turned into an issue. I went 45 days past due calling Crosscountry every other day actually begging for them to let me pay them over the phone. They would not let me under any circumstances. I finally after 45 days was able to pay through Western Union. I called Crosscountry and they said they would draft a letter and send it to the credit companies to have my 30 day late removed since they weren't supposed to send it in the first place.
Fast forward from that happening in January and end of March I get a phone call and they tell me that I am behind over $2,200. (My house is only like $650 a month) So I tell the guy on the phone that's incorrect and I pull out my receipts that I leave in my car. I went through the dates and amounts and they were missing several. I had made 6 payments from January until March and they weren't showing some in the amount of $700. The guy on the phone said that he sees the issue and it will be taken care of.
A week and a half later, April 7, I look on Experian in hopes of my credit score reflecting positive work on all fronts and then I see the 60 day late payment posted to my credit report. Not only did the company never put in to remove my 30 day from January but now they have also hit me with a 60 day in April. I have the receipts and they are not able to get their collective act together. I have contacted the company. Wish me luck on getting the rest resolved.
My advice is to constantly seek a better company than this one. They did well for me at the beginning; however, the first sign of issue they have been the opposite of helping. My credit score has dropped a total of 102 points thanks solely to this company. And that's with paying my mortgage.