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CrossCountry Mortgage Review 2023: Interest Rates & Plans

CrossCountry Mortgage (CCM) works with qualified experts who will ensure you get the mortgage you deserve.

Their entire team is ready to assist you from application to closing and beyond. They work hard to provide you with a personalized experience and alleviate the mortgage application process and payoff stress.

Read below to learn more about the CrossCountry mortgage company, for which its review has nothing but praise.

About Cross country mortgage

CrossCountry Mortgage was founded in 2003 as an Ohio-based national mortgage lender offering a wide range of purchase and refinance loans.

The CEO, Ronald Leonhardt, Jr., had a vision of becoming a full-service lender that could provide customers with a clear, quick, and transparent mortgage experience. They’ve been able to realize and expand on that vision by assisting more people each year in purchasing their dream homes.

Also, they’ve accomplished this by providing excellent customer service and a comprehensive range of loan products and programs.

With over 8,000 employees and 600 branches, they are currently one of the country’s largest and fastest-growing retail mortgage lenders.

Crosscountry mortgage has a license in each of the 50 states, and have been approved as a seller and servicer by Freddie Mac, Fannie Mae, and Ginnie Mae.

As a full-service lender, CrossCountry Mortgage now offers a wide range of mortgage loans, including conventional fixed and adjustable rate mortgages, jumbo, FHA, VA, and USDA loans.

The company offers several adjustable rate mortgages (ARMs), with the main differences being the length of the rate-fixing period and the frequency of rate changes after the fixed period ends.

What are the CrossCountry mortgage advantages?

ARMs provide consumers with the opportunity to get an initial interest rate that is lower than that of a fixed-rate mortgage.

There is also the possibility that the rate and monthly payments will decrease depending on market rates.

You can limit rate increases.

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Because an ARM is “adjustable” and subject to market rates, your interest rate may rise after the introductory period, and you will be required to pay more.

Worse, the interest rate may be higher than for a loan with a fixed rate of interest.

Factors to know about CrossCountry mortgage

Customers who want consistency should consider the firm’s fixed-rate mortgages.

Fixed-rate mortgages function with the same interest rate for the duration of the loan, eliminating any concerns about unexpected increases in monthly payments and allowing consumers to plan their budgets more easily.

Consumers can refinance their fixed-rate mortgages to lower their monthly payments if market interest rates fall below their fixed interest rate.

CrossCountry offers fixed-rate loans with terms ranging from 10 to 30 years.

Fixed-rate mortgages may be the best option for you if you want consistency and predictability and will make higher initial payments, despite having higher initial interest rates than ARM rates.

There is no minimum loan amount for CrossCountry Mortgage’s non-conforming or jumbo loans, which allow borrowers to borrow up to $3 million. Because jumbo loans can be fixed-rate or adjustable-rate mortgages with a variety of term lengths, they can also be customized to meet each customer’s unique needs better.

Furthermore, the company offers VA loans, which the American Department of Veterans Affairs backs.

Veterans who qualify can benefit from low-interest rates, no down payments, refinance programs, closing cost caps, no penalties for paying off a loan early, no appraisal requirements on some of the company refinance loans, up to 100% financing without mortgage insurance, and other perks.

What are the Mortgage loan products at CrossCountry?

One of CrossCountry’s advantages is the variety of loan options available. It offers the same, if not more, loan types as much larger lenders.

Some of CrossCountry’s mortgage options require no or little down payment. Other options for borrowing money include a reverse mortgage, home equity loan, or home equity line of credit (HELOC).

CrossCountry is likely to have the home loan you’re looking for, regardless of the type:

Conventional loans:

The most common type of loan used to purchase a new home, these loans adhere to Fannie Mae and Freddie Mac’s maximum loan amounts, which are currently $647,200 in most of the United States.

First-time home buyers can get a conventional loan with as little as 3% down.

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VA loans

They are only available to eligible military personnel and veterans. VA loans offer low-interest rates, no monthly mortgage insurance payments, no down payment requirements, and flexible credit requirements.

USDA loans are only available to qualified borrowers and properties in specific areas. USDA loans have no down payment and low credit requirements.

FHA loans:

Thanks to loans backed by the Federal Housing Administration, you can buy a home with as little as 3.5% down and low credit requirements (FHA). However, pay mortgage insurance until you relocate or refinance.

CrossCountry Mortgage also offers an FHA 203(K) home loan to buyers of properties that require extensive home renovations.

Jumbo loans:

Jumbo loans have loan amounts that exceed the typical loan cap.

CrossCountry allows you to borrow up to $5 million.

Fixed-rate loans:

The majority of borrowers choose a fixed-rate mortgage (FRM), which has an interest rate that remains constant for the duration of the loan.

CrossCountry offers FRMs ranging from 10 to 30 years.

Adjustable-rate mortgages (ARMs)

ARM has an interest rate that is fixed for the first 3, 5, 7, or 10 years before floating with the market for the rest of the loan’s term.

If you need to borrow money for real estate investment properties or a “bank statement loan,” CrossCountry may help.

The calculation is based on bank statements rather than tax returns and pays stubs.

Loan refinancing options at CrossCountry Mortgage

This mortgage company may have the information that homeowners looking to refinance their current mortgage require.

CrossCountry Mortgage offers a variety of refinancing options to help you lower your monthly payments, shorten the term of your loan, take cash out, remove mortgage insurance, or change the type of loan you have.

  • VA IRRRL (VA Streamline Refinance)
  • USDA Rural Streamline Refinance
  • FHARefinance
  • FHA Cash-Out Refinance
  • FHA 203(k) Refinance
  • Jumbo Refinance

Speak with your CCM loan officer to learn more about your options, as each refinancing program has its own set of rules and requirements.

What are cross-country mortgage rates?

CrossCountry’s website does not list daily rates. To get an idea of CrossCountry Mortgage’s rates, speak with a CCM loan officer and request a personalized quote.

According to recent data, CrossCountry’s mortgage rates, closing costs, and underwriting fees are generally lower than those of some other lenders. So, there’s a chance you’ll find a good deal, but the only way to be certain is to get a personalized quote.

Can I change the interest rates on my CrossCountry Mortgage?

The company offers several adjustable rate mortgages (ARMs), with the main differences being the length of the rate-fixing period and the frequency of rate changes after the fixed period ends.

The most common adjustable-rate mortgages (ARMs) are 3/1, 5/1, 7/1, and 10/1, where the first number shows how long your interest rate will be fixed, and the second number shows how frequently it can change after that fixed period.

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How can I sign in to CrossCountry mortgage 

Visit the website to sign in or sign up.

Go to

Cross Country Mortgage Contact Details.

CrossCountry Mortgage loan officers are highly skilled, knowledgeable, licensed, and ready to assist you at every stage of the mortgage application process.

If you want more information on a loan product, want to check the status of a mortgage application, want to get pre-approved, or have a question or concern, please contact them using the call-in information or submission form with the link below.

Toll-free number: 877.351.3400

Fax number: 440.845.3777


 2160 Superior Avenue Cleveland, Ohio 44114

You can also fill out and submit a contact form at

CrossCountry Mortgage Review 2023 From Bankrate

The loan team was excellent, helpful, and pleasant, especially Kristina and Katie. Very professional and respectful. Weekends and after hours, they answered the phone.

When we had issues with one lender, I have to say that the universe put us in touch with the best lender it could. The loan team, Kristina and Katie, listened to all of my concerns and worked with us to successfully close the loan papers on time.

They were very knowledgeable, kind, caring, compassionate, diligent, and very informative. They promptly answered all of my questions. Words cannot adequately express our appreciation for CrossCountry Mortgage Company. Overall, we had a great experience with our purchase, and the closing went smoothly. No unforeseen problems at all.

FAQS on CrossCountry Mortgage

What is the CrossCountry mortgage phone number?

Toll-free number: 877.351.3400
Fax number: 440.845.3777

What is the website of CrossCountry mortgage?


CrossCountry Mortgage distinguishes itself from other mortgage lenders by offering exceptional customer service and a diverse range of home financing options. Because every homebuyer is different, they make certain that there is a solution for every lifestyle and individual circumstance.

The product portfolio includes everything from conventional and jumbo mortgages to government-insured programs for veterans and rural home buyers.




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