CrossCountry Mortgage

Refinance of my home at *** which was started on March 18, 2019 and has not closed as of July 16, 2019. I was court ordered to have my ex-wife name removed from Loan. I explained to the Loan Originator Kris R, that I had to have her name off of the current home loan by end of Spring 2019. Loan was to close within 20 days and still has not closed. In addition, I was told not to make current loan payment in April and then on April 30th instructed to pay the loan and they would reimburse me for fees. I continue to contact them and the last response I received was from Kim M on July 1,2019. Her reply was that they were waiting on the underwriter. I paid the July Mortgage on July 16th and continue to receive monetary penalties in addition to compromising my Credit. Now, ex-wife has threatened to take legal action against me. I live in *** and Legal Fees, transportation, lodging etc., will be in excess of $10,000.00 and could result in termination of my employment in ***. I have made Cross Country Mortgage aware of all these circumstances and still no closing date. I am being offered a six month loan at 9,5% with 1.5 points and additional refinance after the six months without even being informed of what that rate will or would be. This is not an ethical lender. My appraisal was $370,000.00 and current balance is $251,000.00.

My bank has sent payment to crosscountry mortgage and crosscountry mortgage states that they have not received anything. Payment has been sent to crosscountry mortgage June 26th. called multiple times to have the situation escalated. No one is helping or escalating.

Run as fast as you can! I was working on selling my home to a friend who chose this company to handle their mortgage. They were working with Christian Covert. Over the course of more than 2 months, he constantly told us the same thing, “I should have an answer today” blah blah blah. They moved the closing at least 3 times, ignored my calls and the buyers calls, never returned calls or got back to us even when he specifically said he would. Calling the main office would only result in whoever answered saying they would get a message to him to call us back ASAP. That never happened either. Buying/selling a house is a time consuming and stressful process for everyone involved, but if this mortgage officer was a responsible and professional person, he would do what he could to help assuage our doubts and worries. Instead the whole process was made worse than it would have been either way due to a lack of professionalism and communication. WORST COMPANY EVER TO DEAL WOTH DON’T WASTE YOUR TIME.

Do not believe in the information of the radio not everything is true, they deceive you and after waiting time they do not contact you, they do not return calls or they respond to emails, I do not really know what they earn with deceit and lies, they need to buy a house with serious people and able, for pity I learned it by losing money, and with this I hope no one else loses money
No crean en la informacion de la radio no todo es verdad, te engañan y despues de tiempo de espera no te contactan no devuelven llamadas o responden correos electronicos, realmente no se que ganan con engaños y mentiras, se necesitan comprar casa con personas serias y capaces, por lastima yo lo aprendi perdiendo dinero, y con esto espero nadie mas pierda dinero.

There is an inquiry on me credit report from this company on June 8th 2019, that I have not authorized. I've reched out to them several times to get this rectified with no avail.

This company will call at all times of the day and night and called me at 9:00pm at nite. I then tried to call them back right away and their auto machine said that I had to call back during regular business hours. They don't have to follow their own hours but I do, that is wrong. I know by law they cant be calling at this time of the night.

First off when I contacted them about a refinance they immediately got on the ball sent me an email of the paperwork they needed and I immediately sent the documentation to them, this was in February, here it is middle of June and I still don’t have an answer on when I’m going to have a closing date or anything, they contacted my home owners insurance company to inform them they are now my lien holder, the only problem with that is I HAVEN'T CLOSED ON MY MORTGAGE and they did this in May, so now if something happened to my house or my property they get a check and the current mortgage company is not getting paid and I’m screwed. When you call to talk to your loan processor they won’t answer the phone, or email, or text messages, they won’t keep you informed of your status, which I have asked for daily, and they tell you were all ready to move forward and then they find something wrong and push you to the back of the line because all of a sudden they have more important things in front of you.
Here is an idea!!!!! How about when you get someone’s process down to just a couple of steps you concentrate on that one person and get them done so you can work on the next person instead of moving everyone to the back of the line, I had plans for my house with the refinance, and unless a miracle happens s I will be lucky to close Christmas, at this point I’m so far into it I can’t change anything but I will be looking for another company to take over my loan as soon as this is done, I can promise you that.

The branch manager of CrossCountry Mortgage in *** has been engaging in practices that are unethical at best. This individual has discussed private details related to my loan with the company to the tenant of my property. As a home owner with a loan being serviced by CrossCountry Mortgage Inc, I feel that confidentiality has been breached and I have no trust in this organization. When attempting to file a complaint against the branch manager in question, I was directed to contact a number which led me to an answering service. After leaving a message more than four times without a response back from a representative, I felt an obligation to report CrossCountry Mortgage to the proper authorities.

Horrible service... Cross Country has moved my closing 3 times since 4/8/2019. I recommend using another lender. I am suppose to close tomorrow 5/10 this is my final extension and I have not heard from them at all to confirm and provide a time for tomorrows closing....today is Thursdays... extremely incompetent, unreliable.

I am a seller in a home real estate transaction. I signed a contract for sale with a buyer that was using this company for their mortgage. This company provided a pre-approval, so I thought it would be legitimate. Unfortunately, closing dates came and went with lots of promises to close but never able to produce documentation supporting their promises. Please beware of using this company, they will lie, waste a lot of your time and resources, and ultimately not close the deal.

March 28th, 2019
I would not recommend Cross Country Mortgage out of Vancouver, WA to anybody. The services of Cody S, Renee S and Mellonee B are horrible. They lie, mislead, misadvise, false promise, and don’t know what each other are doing in the loan process. Instead of working together each one of them basically started from scratch. We were working with them the buy a piece of property, pay a contractor and purchase a new manufactured home to be set up on the piece of property. We started with that type of loan and ended with that type of loan. We placed our offer on the property in Oct 2018. After asking for three extensions from the sellers to complete our deal because Cross Count6ry Mortgage could not keep their act together and process paperwork correctly we would never meet our closing date. After being assured that we were approved for this loan multiple times we kept asking for the extensions, losing our earnest money to receive one extension, losing our asbestos inspection money, again not meeting the closing date, requesting another extension. Once again being assured that we were approved for our loan. But then again not meeting the closing date. We asked for our third extension paying for the appraisal, because we were once again assured that we were approved for this loan. We then lost that money too after Cross Country Mortgage couldn’t meet the final dead line for closing. So now we are out over two thousand dollars. We lost the piece of property that was going to be our dream location and our place of retirement. This was a 5-month process that failed. I will never recommend Cross Country Mortgage to anyone. I will never recommend Cody S, Renee S or Mellonee B to anyone. They do not know what they are doing and should not be in the mortgage business if they are going to treat their customers this way. Steer clear of this company.

Cross Country Mortgage provided a mortgage refinance loan quote which I approved. I paid $385 for an appraisal on my home. Since the appraisal of my home on March 6, 2019 the company has been unresponsive to my emails and phone calls to receive a verifiable update on the status of my loan and whether they plan on processing my loan. The loan officer stated I qualified for the quoted loan based on the income and home value I provided for the loan application. Both my monthly income and home appraisal came in higher than the quotes on the application so the loan shouldn't have any problem being approved.

I was contacted by a telemarketer who put me through to Richard M of Cross Country Mortgage, his phone number is ***. I was looking to consolidate a home mortgage and a home equity loan. When I asked Richard what conforming 30 year fixed loans are going for he told me as low as 3% fixed depending on your credit. I told him my credit is in the high 700's. Since I was very interested in a loan below 4%, Richard insisted to get my social security number to run my credit before he could work out the numbers. That in itself is not typically how lenders work to give a estimated quote. I fell for and believed his blatant lie of rates below 4% and gave him my social security number in trust he was going to work a fair deal for me. He ran my credit, and like I had told him all 3 credit bureaus had me in the high 700s. Richard said that was great, and he'd call me back within an hour. So he calls me back and floored me with a fixed interest rate of 5.25%, plus lender fees, and title fees (as he said) somewhere between $3,000 and $6,000. I asked what happened to 3%, he laughed. I told him that prior to this conversation, I had spoken to two other lenders who took my word for my credit score, and their rate for a 30 year fixed conventional loan was 4.25% with no points. Just about ~ $3,000 in fees. Richard patronized me and asked for the name of the lenders I had spoken to, so he could call them to refinance his home. Very unprofessional, and I believe Cross Country Mortgage is dishonest and trying to scam people into lying about their rates. In the end, he should have never deceived me in getting my social to run my credit report. Who knows, maybe they train their staff to do this to commit identity theft

Tony D was the loan officer at Cross Country Mortgage I was dealing with. He talked to me about a 4.5% 30 yr conventional loan. At the time I thought it was a good deal. I started loan application. No fees mentioned on application. I found out through work I get a .25% discount on mortgage loan through ***. I looked into it further and the rate was much better. I told Tony what I could get there and I felt this was the best option for me. He started bashing *** and told me they were the worst bank to get a mortgage through and to ask Denise my realtor. Additionally their rates are always higher than other companies and todays current rate with Cross Country is 4.125%. After I received the loan estimate and compared to ***s loan estimate there was 3k difference in price. *** had asked me if I was paying points for the rate Cross Country had offered me. I explained no that was their current rate per Tony but I would double check. When I called Tony he told me that I was paying 2k for points but really my seller was paying it because they are giving me 4k towards closing cost. Again he got very defensive and was abrasive. Then Jeannie started giving me different loan options to try and show me what I better deal I could get from cross country. Truly all that did was confuse me. At this point I don't trust Tony because he mislead me and hid the fact I was paying for points. This is something that should be disclosed to the consumer. I do not think anywhere in my paper work I signed that the bank could hide fees in loan estimates. *** was up front and honest and had much better customer service. I decided to proceed with them for the loan. Next thing I knew I received a text from my realtor that my appraisal was completed and appraised at my purchase price. I was totally shocked that it had been completed and no one informed me of this. Tony did not tell me he was proceeding with appraisal or even offer to postpone it. Now he is trying to tell me I owe $500 for an appraisal and if I do not pay he will send me to collection. I'm disgusted with the way this loan situation was handled and how information was withheld or not fully disclosed. I would never consider doing business with a company that has employees that act like this. Buying and selling a home are stressful situations and your loan officer should not be causing more stress, headaches, and be dishonest. I work in the healthcare profession and have to disclose everything to my patients. If I acted in this manner I would not have a job. He knew I was comparing offers and he could have said Hey we typically get this appraisal but I see your questioning our loan offer would you like me to hold off? I truly feel he was trying to force me into a mortgage loan with cross country. I do not feel I should be responsible for the appraisal fee. I also will not recommend your company or Tony to anyone I know. The customer service was absolutely horrible. I feel this fee should be paid for by your company.

False advertising. They send letters that say you are pre- qualified and then run your credit and say you are not qualified. They told me it was a marketing scheme.

My experience with CrossCountry was a living nightmare. My credit score was over 800 which is only achievable with being honest and being financially aware. We have bought and sold 14 houses in our 60 years of marriage so we are not amateurs in the real estate business. This was the most unprofessional experience ever. They locked in an interest rate for us that of course had a 30 day limit. By day 30 they were still were asking for more info and floundering around to finish the transaction. We were answering all questions immediately or within a couple of days as info became available. Still they required us to pay an additional fee for a new lock in rate. It took an additional 2 weeks to close.
We paid $850 for the inspection, which is exorbitant. The inspection was not done until a week before the original closing date and they required a lot of work be done. We supplied the name of a local contractor that had a good reputation in our area but they insisted on getting someone with an established following or contact following. They approved and we hired someone who was a smooth talking fraud from the start. His only recommendation was that he had done work thru ***. It took him about 2 mo. to finish the work he had promised would be done in the required 30 days. Under pressure from the CrossCountry agent we were working with, we offered to have the inspection and disclosed the exact status of our repair work. She said she called the inspector and described our situation and was told that would be acceptable. He charged an additional $175 to do the second inspection and then failed it for the same things we had told them about. It was finished about 10 days later and the final inspection was done for a final fee of another $175.
There were other actions that were questionable at best if not illegal. They insisted on knowing why we were buying a second home and why my husband and I don't live together. They do not honor what the underwriter accepts causing delays and confusion. The corporate office solution to every problem was something that cost more than what the underwriter accepted.
All in all it was a 3 month nightmare that was VERY expensive. I DO NOT recommend this company to anyone.

My wife and I fought to build our credit enough to buy a house. Then we finally get a house that my wife loved and we are fine for about a year. Then when it was time to renew our home owners insurance they did not do this. Per there contract they were to maintain the insurance we provided. Instead they said they did not receive a fax from the insurance company. So I called the insurance company myself and had them re-fax the information. Then Cross country Mortgage stated they did not receive the fax again. This happened 3 or for different times before they just let the insurance laps. Instead of calling the insurance company themselves they just let it laps then picked a new more expensive insurance for us. If they could call a new insurance company then they could have called the existing insurance company and straitened that out. Instead they just picked a new company and raised our mortgage payment from $857.00 a month to $1100.00 a month. So we could not afford this. So after we missed a few payment I made an agreement with someone to make half payment so that over time I would get caught up and we could get things straightened out in a year or so instead they would not take the payment. When I called to find out why they told me they did not know who I talk to but that that is not how they do things. Now I looked on their website and there is a spot where you can set up for half payment. They told me they would not accept anything less than 4 or 5 payments at one time there was no way this could happen. We were served and told we have to be out of the house in winter. Winter in northeast Ohio not anywhere south but northeast Ohio. Where someone in my home could freeze to death. Real caring bunch.

This company continues to call after being told were not interested in thee services , so then they put us on robo call and when you pick up the phone it hangs up on you and if you call it back its says , 9 thanks for calling us here at cross country mortgage please hold and your call will be answered in just a moment ) and then it hangs up yet again on you. they were told months ago to stop the phone calls so my next step may be a attorney and the FCC

I called Cross Country Mortgage to explain that someone used my identity to apply for a mortgage through Cross Country. I called several times to get help, no response until January 4, 2019 I finally got a hold of Ms. R. She advised me that she sent me an e-mail stating that I had authorized the credit report to be ran??? I didn't authorize anyone and why would I apply for a mortgage loan when I just started working in April 2017.
Ms. R also stated that all my personal information was on there!!! Anyone can steal your identity!! I asked her for a copy of my signatures and she never gave that information to me. I have the right to know what is going on with my personal information!!! I have always lived in B
My identity has been stolen!!! I need some assistance to dispute this matter and file a complaint against Cross Country!! This is ridiculous how I can't get help for something I didn't do!!!!

All service members stay away!!! Went to them in a hardship got down to under writing and they transferred our loan and didn't even send the paper work and that made our new lender go even more back in payment because had to start the process all over again!!! Don't trust them!!!! They dont work with you it care about you or your home!!!! DONT TRUST!!! ALL MILITARY FAMILIES STAY AWAY!!!!!!!