CrossCountry Mortgage Reviews (%countItem)
Jun 11, 2020
Stay Away! They will do a bait and switch - lure you in with an enticing Loan Estimate, take 2 months to process your loan, and then offer you a Closing Disclosure at the 11th hour, with much higher closing costs. Don't waste your time!
May 28, 2020
Horrible experience no one calls you to let you know your status on loan once I told them I no longer wanted to use them they ran credit over and over and denied my loan instead of withdrawing from it
May 27, 2020
Worst company ever. One week before close I signed electronically loan docs. Day before close details completely changed. Too late to back out. After closING they told me they sold my loan to another company and gave me a loan number. That company had no idea who I was. Then CC told it was sold to another company. They also never heard of me. Meanwhile I sent first payment to company A. They couldn’t find my payment. Final result. The loan was never sold. Had to stop payment on first payment and make phone payment to CC.
May 04, 2020
I was supposed to close on the sale of my home April 30th, it was not until the day before close that I contacted my rep and was told they needed additional information. Every day since 4/30 I have been told we are going to get the clear to close but every day there’s no response. I have been staying in a hotel for this time since I relocated from another state.
CrossCountry Mortgage, LLC (“CrossCountry”) received the
Apr 21, 2020
recently I refinanced my house with cash out after several dealings back and forth where I had provide tax information etc,. I never received my paperwork back its been over a month after speaking with representative several times and I was told on numerous occasions that it was in the mail I have not received my very important documents to date. I just want my paperwork *** is the gentleman that I sent my paperwork to and he's also the person that assured me that it had been mailed.
CrossCountry Mortgage, LLC returned the customer’s documents
Apr 21, 2020
This company is running unauthorized credit checks ... BEWARE OF SHANNON ***... this woman will literally ask for ur info... U can tell her not to run a hard check she will anyways... she is very very unknowledgeable about home purchases n credit issues... I have paid to work with credit repair companies who told me to run at a certian time n date ... She decided to run prior... Told me I had a 590 she needed to see a 620, my gf called gave less info they told her approval at 580 n she has worse credit than I ... I am a home owner already, she isn't very knowledgeable on the whole process, the questions and things she told me to do in order to try to get a loan hurt me more than helped ... Her hard runs dropped me over 50pts... She doesn't know the difference between a arrearage repayment n a support order, she told me oh well u look at credit karma n that's not ur real score (yes I know my fico, literally have paid credit repair team) yet they were exact match to what she came back with after running unauthorized credit HARD check... No option for soft check... Asked me to take my name off other properties, it was just a giant mess n in the end no approval, piss poor communication , lack of understanding , this would've been my 11th home purchased in my life throughout a few different states ...I would not recommend at all like I said I'm left with more damage than help... If this was last mortgage company on Earth... I'd rent
Apr 18, 2020
One of the worst loan officers I have ever used. She started off by telling me that we were clear after a few weeks of processing and all we needed was to lock in a rate and we would could close in a day or two. *** with Cross Country told me she was trying to lock in my rate two times a day. After a few weeks went by I called her and asked if we could lock and she said let me check. She was able to lock me in at 5.4. After her manager reviewed it he lowered it to 4.5. This seemed strange to me for a few reason if you were trying to lock in my rate two times a day why would you not get the lock until the day I call you. *** advised we would be able to close in a few days, but never gave a specific date. After a week I contacted her and asked when was our closing date she advised we didn't have one because underwriting found a problem with the Title. I found this strange because I thought that was the Title Companies job. She told me again as soon as the title was clear we could close the next day. After a week went buy I contacted her again asking what was the update she advised me that we were still waiting on the title company, but underwriting had cleared my file and we were just waiting on the title. I contacted the Title Company and after a few hours on the phone with them were able to clear things up. I contacted *** again and advised her that we were free and clear. I asked when our closing date was and she told me she would get back to me. After a week goes by I contact her and ask what is the update? *** tells me that there is another issue and I need to change the insurance on the home and make the value higher. She also ask for my most recent paystubs. I turned in all of my paystubs and W2's at the beginning of the process. At this point I am getting frustrated and ask if we have a closing date and she tells me no, but after she gets the paystubs she will be able to close the next day. After a few days pass I reach out again to see were we are at in the process and she tells me she needs the lease agreement for the home. This didn't make since to me because at the beginning of the process she advised that my debt to income ratio was good enough that the property did not need to be rented out. I only told her that the property had rented out as a curtsy. *** contacts me the next day and says she will not be able to process the loan after going back and forth for over 50 days.
CrossCountry Mortgage, LLC
Mar 16, 2020
On 3/12/2020 I called to speak with a representative regarding a first time mortgage and was referred to this company because of their affiliation with the *** program since I work in law enforcement. I clearly stated I was shopping for mortgages and did not want a credit check performed as I did not want the inquiry on my credit report because I did not want my credit adversely affected prior to deciding which lender I wanted to go with. The representative, ***, took all of my information and said that she was new to the company and could not explain the benefits to my particular situation and would have to have another coworker, ***, call me back with more specific information and in order to find out which mortgage may he best for me, they were sending me an electronic consent form so *** could pull my credit report. I did not remit said form with permission to pull my credit report. The next day I received several alerts advising my credit score had dropped 34 points, from 803, because Cross Country Mortgage made a hard inquiry. I replied to the email the consent form was sent from and asked why they pulled a hard credit report when I expressly stated I did not want the check performed. I have yet to receive a reply. I called on Saturday 3/14/2020 and asked for a supervisor to discuss my concern and was told none were available and they would either call or email me to address my concern. I've yet to hear from anyone with the company.
Tell us why here..CrossCountry Mortgage, LLC (“CrossCountry”) received the customer’s complaint on March 17, 2020. In the complaint, the customer alleged that CrossCountry pulled the customer’s credit without authorization. CrossCountry denies the allegation.On or about March 12, 2020, the customer authorized CrossCountry to pull her credit when she reached out to CrossCountry and began a conventional purchase mortgage loan application.
Mar 13, 2020
Constituent was with *** bank and was switching his mortgage to CrossCountry mortgage. They
Feb 25, 2020
In March 31, 2019 I sent a series of letters to cross country mortgage about unauthorized credit pulls that were being made. The letters asked for proof to be provided of consent for these inquiries to which no response was given. I demanded that these inquiries be removed from my credit report because they were not authorized, however as stated, no response was given. There was only one time I spoke with a loan officer (December of 2018) inquiring of a possible home loan and was told I needed to work on my credit further. No further contact was made between myself and this loan officer after December of 2018, yet January and March of 2019 my credit was pulled again. This is a violation of the FCRA. As my letters stated then I am asking you now, provide your proof of permissible purpose for each credit pull or remove the inquiries from my report immediately.
The customer alleged that CrossCountry Mortgage pulled his credit without authorization on January 24, 2019 and March 1, 2019. CrossCountry received the customer’s authorization for the credit pulls. On January 24, 2019, the customer provided authorization via text message to CrossCountry’s loan officer.
Feb 19, 2020
This seems to be a bait and switch company. I was specifically looking for a Bank Statement Only Verification Program for a Home Equity Loan or HELOC. I reviewed the website and they offered the program. I filled out the online form to get a rate quote and as soon as I hit submit my phone rang from a caller in Gainesville, FL. The 1st guy on the phone was nice, fast talker, energetic etc. and I explained exactly what I was looking for. He said no problem I am going to get you over to one of our loan processors. Soon afterwards another guy got on the line and asked me questions about my home's value and how much I owed. I am a Realtor so I was very up to date on my home's value. Once I provided all the information the guy says okay we can get you 192K loan. I said is that for the HELOC like I asked for and he said no that it was for a cash out refinance. I said that is not what I am interested in. He said well why not that is what most people do. I said I was not most people and I wanted what I called for that was advertised. He said well we do not like to do those loans because there is no money in it for us. Why advertise it then?Maybe there is other government regulations that this falls under under. I will continue to research this issue.
Feb 10, 2020
At the end of the closing on the house.they're wasn't any communication. Between the loaner,the Builder and the mortgage team. Everything went left.We thought everything was fine until.something came up. That no one had no idea about.although we still signed off on the deal. Kind of felt like we was being robbed.thank you!
Dec 10, 2019
I took out a Reverse Mortgage with this Cross Country Mortgage. They gave me a website to set up an appraisal of my home. In order to set it up I had to prepay $570 to the appraisal company. Appraisal was completed on 9-17-2019. Settlement/closing on loan was on 11-7-2019 with disbursement date of 11-13-2019. I noticed they billed me $570 for the appraisal and it was added to my loan. I was promised that I would be refunded for the double payment. After a months communicating with the company, I still have not received the refund. What do I have to do?
Dec 06, 2019
This is by far the worst mortgage company. I do not recommend them the lack of communication is beyond me. I was charge fines because of their negligence And they would not remove them. Be aware.
Dec 03, 2019
Run don’t walk as fast as you can from this company. Such a total scam! Made promises they couldn’t keep and ruined our perfect payment history! I hope they get shut down!!!! They ruined our holidays as well! Such a scam!
Dec 03, 2019
Great company! I’ve refinanced with them on 3 separate occasions and has been a smooth process from the start through funding. It amazes me that there are so many people so quick to point blame on this company makes me wonder what the real underlying factor was which prevented them from closing their loan. I recommend Cross Country to my friends and family and will continue to use them for my mortgage needs
Oct 30, 2019
If I could give this company zero stars I would. They charged me for an appraisal on my home before it was even set up and then a week later when we decided to go with a different company they refused to give my money back. The appraisal never happened and they ignored every attempt to get a refund. I eventually had to file a claim with my bank. Every time I called they would yell at me and were just incredibly rude. Complete scam.
Sep 11, 2019
This company hired Karl *. T/ARC Appraisals in St. Petersburg, Florida to do an appraisal on my property for their buyer. The appraisal came back way low for the mortgage the buyer was seeking. ARC Appraisals based their numbers on a two year old comp. In todays market that is totally unreasonable. When provided later comps and asked to reconsider his appraisal he refused. He is not listed with the Revdex.com, but from the negative reviews I have just read about the CrossCountry Mortgage, Inc. he is probably in bed with them and being provided kick backs for his low appraisals. ARC Appraisals cost me thousands. If your mortgage company or your buyers mortgage company sends them out to appraise your property refuse and demand another company do the appraisal. These people have no clue.
Aug 28, 2019
Let me start of saying this email will sound like I am upset and that's because I am very upset. Your lender Patrick P called me beginning of August and told me that rates had dropped and we should refi our mortgage. I told him right away that it would not work for me or my wife and because of our current late payments and low credit scores. He said that he had programs that he could get the refi done and wanted to run our credit. I told him it wouldn't work, but he could run our credit. He then ran our credit and came back and said that he could get the loan done. I still had reservations about the refi. He sent me the docs to esign including the appraisal and payment form. I signed all docs except for the appraisal doc. We spoke again and stated that he need the appraisal form signed so that he could push the loan through. I reluctantly, but asked for the load to go through to underwriting before my card was charged. He asked if there was something that I was not telling him. I expressed my concern about late payments and the loan being denied. To me this is money that I needed for my household. Patrick assured me that the loan would go though. I asked if he ran a DU. To which he said that he received an approval from the Du. Patrick asked me again to have the card charged for the appraisal. I let him charge my card for the appraisal. I provided Patrick with every document that he needed within a matter of a day as to speed things up and get the refi done in 2.5 weeks as he said he could do. The appraisal return at $380k, 5k lower than he thought it would. Patrick said the numbers would change, but it would not stop the loan. It would only change the amount of money we would get back. He said that we would receive 6k vs 13k as he stated in one of our phone conversation. I asked Patrick to show me the numbers / disclose to me he did not. He would only say he was working on it. He stated several times that he was going to have the refi close by Aug 26th. I called Patrick on Aug 24th but did not receive an answer. I emailed him and received an auto reply stating that he would be away out of town unit Sunday the 25th, but would be checking his emails. On Monday the 26th closing day, I called Patrick, but did not receive an answer. He sent me a text saying he was out of town. At this point I knew that the loan was denied. But Patrick would not call or be upfront and telling so. My title company sent an email asking if the loan would be closed this week. Patrick responded and said it would not close this week. So at this point I was very upset. I felt like he was avoiding me and not wanting to be upfront with the situation. I sent him an email expressing how upset I was. I told him that he knew my family and I were on hard time and he made unrealistic expectation for us, to which he could not deliver on. I told him that $385 that I spent could have done good in my house hold. We are on a tight budget. I am not having a good year in business right now. What upset me more was that he knew all the information upfront and still cost us knowing that he could not get the refi done.
Jul 25, 2019
Crosscountry mtge sent us a flyer of refinance of our home, as it said we don't have to have an appraisal.. we called them spoke to Kelly m***, he took all info from us and stated he must have $385 for VA appraisal if we want money out . At first we argued that we just had an VA appraisal in Aug of 2018 of $110.000, house is still in same shape. He insisted we pay for the appraisal, gave us lower interest rate, and money out. Well when the appraiser came out , she didn't look like a VA qualified appraiser with , flip flops, and shorts. She valued our home at $105,000, which is a loss of $5,000. She wrote in appraisal that we had a school in back yard, we don't. She wrote there is Hi traffic on the road, not always.
CrossCountry Mortgage Rating
Address: 6850 Miller Rd, Brecksville, Ohio, United States, 44141-3222
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