Please CrossCountry does not publish daily rates on its website. outcome. And, judging from its customer feedback, CrossCountry largely achieves these goals. Another rep told me the acct was coded and would be protected from foreclosure because I was working with loss mitigation.

On April 15, 2022, we deposited the amount of $65.90 into the escrow After many tears were shed and ***** assured me that I would be able to be given the mortgage on my own we decided to keep it as is since we were supposed to close on March 29. You can always use the website to find your nearest CrossCountry loan officers contact details, including phone number. 4/21/2022 --Our records indicate And immediately sent over the remaining $34. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles. For further information I was told by the town that there was a delay in the assessment and sent all the necessary paperwork to CrossCountry despite them sending me letter after letter about my taxes being TBA. Come January 2022 I finally got my tax bill which showed a total of $5700 for the entire year of 2022. the short payment, as we explained multiple times we needed the entire full monthly payment. past the payment due date of May 1, 2022. for execution on December 17, 2021; however, it appears these were not Average rate and fee data sourced from public rate and fee records required by the Home Mortgage Disclosure Act (HMDA). review, it was determined that this type of product is not available. Cross country mortgage has sent multiple letters to my address stating that my mortgage was on default. were estimated in the amount of $4,014.42 each to be disbursed in July 2022 and People that prefer tech-first mortgage lending might not appreciate this. Luckily, my family was willing to chip in to help out so we could get this house. We used Team ******* for a mortgage beginning February 2022. One rep said my acct was never coded for a modification. Until an updated tax bill would be provided by ******** Town or the customer, the tax lines could not be updated. On April 07, 2022, we issued a letter stating we received the loss mitigation application and have determined For further updates, the customer may contact our loss mitigation department. CrossCountry, as we are required to adhere to federal guidelines when providing I spoke with different reps that told me different things. Regards, closing date and disbursement date as March 31, 2022, an extension fee for $92.63 charged to the lender as a courtesy, and a courtesy lender So many ppl are losing their homes due to this practice. She has not returned an email from me since March 16th. Forbearance was not effective until June 1, 2022, submission of the May 2022 We received a short payment again on January 13, That's something we don't compromise on even if we make less money balance of $9.97 and was sent to the new servicer on March 3, 2022. I made my first payments to CrossCountry by check in December 2021, for $1449.83 (Check 246) and $38.48 (Check 248).

And in 2021, only 46 customers filed for issues with CrossCountry Mortgage.

This analysis decreased the monthly payment. After putting up a fight we sat in his office for 3 hours being spun around in circles. They apparently have also opened up 6 work orders for each time Ive called and still nothing has happened, nor have they had any sort of update any time I call as to where any of the work orders stand. Its customer service gets great reviews and the company focuses on building strong borrower-loan officer relationships. challenges they are facing, and submit the Borrower Response Package to us. complete the loss mitigation application and proceed with a full loss We sent letters advising of this and to submit the full monthly payment required. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. This email was never sent to me. I can't believe this company is allowed to stay in business. Finally, we were able to locate *****'s office and we showed up. It has to be illegal. In March 2022, the payment was short by I was also met with no response from Crosscountry mortgage on multiple occasions after emailing or calling them regarding the issue. If you happen to live near a CrossCountry branch, you can sit down across the desk from a loan officer and enjoy face-to-face customer service. There were periods during the loan process that required information from a third Please see the attached response for further details. When I took a closer look, I noticed that they were showing my property taxes to be $15,700 for the entire year!!! request was opened on December 14, 2021, to pay the delinquent taxes, but no I have been going back and fourth with Cross Country trying to figure out exactly what they need from me since DECEMBER 2021. I have not heard from him subsequently, and messages left with CrossCountry and on his voicemail box directly have not been returned. upon further review, the application 6/22/2022 --Our records CrossCountry Mortgage is a mortgage loan and a mortgage refinance company that is resented to offer a wider selection of home loan products. results in an outstanding amount of $2,863.56 that will be disbursed before the During this interaction, the customer advised they returned the signed documents for execution several times to our 5/6/2022 -- Around November 22, 2021, the Note that complaint text that is displayed might not represent all complaints filed with BBB some consumers may elect to not publish the details of their complaints, some complaints may not meet BBBs standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. Better Business Bureau: taxes for 2022 taxes, we still need to have Quarters 1 and 2 within the I cannot get any resolution and it is so stressful. But yet, it seems like this company strung me along and then threw me into foreclosure without trying to assist me with other options. After the two of us took off of work, packing up our apartment, we were then called and told I had to pay off $25,000 of student loans or we would lose the house. regarding the reporting of the loan, please contact ***** ******* *** ******* *********** ** ***************. 5/16/2022 -- CrossCountry Mortgage, LLC properly handled the review during the loan process. These include: If your state has no branches or your local branch is far from home your starting point will probably be CrossCountrys website, which will undoubtedly suggest a phone call with a loan officer. In March of 2022 I receive multiple packets stating my loan was in default even after my mortgage payment posted on time. options. CrossCountrys website is clean, informative, and helpful. Please understand that this was the The image attached reflects an amount of 38.51, which has included interest. The loss mitigation package was deemed CrossCountry complied with regulatory procedures and had a permissible purpose Every time I submitted documents, they would create a new letter saying I needed additional documents that were never listed. Please note, that the late I have had my mortgage through Cross Country for the past 2 years. It took a resolution with the BBB to resolve this problem. payoff amounts from the County. that the annual escrow analysis was completed on August 16, 2021. website has updated to reflect the $2,863.56 Quarter 3 taxes as paid. But if you value human interaction when it comes to financial planning, CrossCountry might be worth the extra effort. On 12/15/21 I received a letter from ************ (based out of ****** **), that my loans would be serviced by them. in student loans, mentioned in the complaint the customer filed, were not completed However, for the delinquent taxes were pending receipt of a redemption statement from At this time, there are no outstanding late fees. was determined that the prior payment forwarded was missing the remaining On December 13, 2021, we have cleared. Because its licensed in all 50 states, anyone can start the home loan process online. After sending over the contigencies they stated I had to pay off $6,500 in student loans. the settlement company, and the appraisal company that may have contributed to delays reflect we issued a loss mitigation package to the customer on September 1, USDA mortgages I sent this bill to CrossCountry on January 11th. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. We provided this information to the customer on June 13, 2022. were made on April 28, 2022 and sent to the ******** County Tax Claim Bureau with penalty This amount was the refund of the penalties previously disbursed with shortage of $313.98 per payment. While we are compensated by our lending partners, and note that the May 2022 payment was applied to the account greater than 30 days Its rapidly building a network of branch locations, and aims to help borrowers build strong relationships with loan officers. This analysis resulted FHA mortgages Just be sure to compare offers with a few other lenders before making a final decision. To get an estimate of the rates CrossCountry Mortgage offers, youll have to speak with a CCM loan officer to get a custom quote. The documents were issued on 6/3/22. Thats less than 1 per 1,000 borrowers. Im constantly told there is nothing I can do for you you have to wait x amount of business days to see this resolved. Payment was made on my mortgage account- Cross County Mortgage still reported that they havent received payment and reported to credit bureaus that it was late. These checks cleared on December 7th and 9th respectively. We had a great relationship until ***** *******, Mortgage Lender, took my boyfriend off the loan without our permission. One loan to purchase a home and one to cover closing costs. On May 17, 2022, we explainedthat we cannot accept the customer's pay-by-phone payments as the loan is in $310.98 and a payment on May 4, 2022, was short by $230.21. BBB Business Profiles generally cover a three-year reporting period. I just called CrossCountry mortgage to speak to a manager or a supervisor regarding the issue, and they would not allow me to speak to anyone, but that they could take a message. party, such as the seller, current employers for verification of employment, Mitigation workout. I have filed a loss mitigation application for my loan (**********) and *************is the lady handling my application. The company has home mortgage company branches across the United States in addition to its corporate headquarters in Brecksville, Ohio. active loss mitigation. 6/9/2022 -- The loan modification previously presented is no longer valid and we are unable to make any adjustments to the modifications, as they are system generated. date on which we receive a forbearance request, and are applied to the month After approximately 2 weeks of waiting and going back and forth, my application for the loan had been approved. He was condescending and rude. After approximately four tries I was forwarded to an ****** ******, who reported he would look into the matter. added parcel number *********** to the account for the City Taxes on March 3, The recalculated modification was approved, effective 8/1/22. I spoke with someone in January at town hall who stated the two quarters being lumped together was a one time thing due to the assessment delay. shortage was spread over a 12-month period, and the new monthly payment started October 2021. So although I accept the resolution of this issue, because the parcel has now been added to the account and the 2021 delinquent taxes have been paid, I don't accept the response that they were transparent about the issues they were facing with my tax office. late fees assessed to the account, causing the When we refinanced the property through CrossCountry Mortgage, they did not include the taxes for our second parcel in escrow which we did not realize until we received a call from the county tax office in September of 2021.

notarized modification documents reflecting the new payment amount effective In January 2022, those Where can you get a mortgage with CrossCountry? In contrast to many modern loan originators and mortgage brokers, CrossCountry is not wholly driven by technology. Rights Reserved, You Are About to Contact PissedConsumer.com. The new analysis decreased the monthly payment, effective with the May 2022 payment. As such, we are unable to remove any negative mark on the credit report Pissed Consumer 2022 All Pursuant to the complaint on dual tracking, we Jumbo mortgages I can see each time I turn the form in. But, when you call, they will likely require the same information to progress your inquiry far.

received a payment of $2,040.00 , and the funds were held in suspense due to After further review, it I called CrossCountry Mortgage in September to get our taxes paid, sent them all the necessary documents. Additionally they keep saying they are missing my Third Party form, which I have turned in 4 times. This May 2022 payment. You'll have to speak with a loan officer and give some personal information to get an idea of your potential mortgage costs. Companies are selected automatically by the algorithm. What can we help you with. with our customers to ensure we are displaying the utmost customer service Because they took out money from my account that is not needed on March 1st, its considered stealing $1300 from me. complete the loss mitigation application. We found out he was off the loan on March 24, 2022, when we received closing details. I have provided medical records, EOB's for insurance, doctors notes even and nothing is getting done showing why I got behind. Forbearance effective dates are determined based on the BBB Business Profiles may not be reproduced for sales or promotional purposes. At this time I freaked out as I did not have that money. ******* *****processing center. We will review the loan for eligibility and provide notice of which loss mitigation options, if any, are available to the customer within 30 calendar days of receipt of the completed application. It has been over 7 months without our taxes for 2021 being paid!!! 4/27/2022 --The Quarter 3 taxes were disbursed from the We What happened? 6/29/2022 -- The customer provided authorization for CrossCountry to pull their credit in connection with their mortgage refinance loan inquiry with CrossCountry. I did my best to get everything to them by Monday as I had to call a student loan company and it was now a Friday afternoon. be notified of the outcome of hardship payment plan options best suited for the loan. After spending hours on the phone in February they apologized for not contacting me to notify me that my mortgage increased without an explanation. July, and August 2022. a shortage was detected in the escrow account. application. I have not received a response via email either. following the request being received. as we are legally obligated to report accurate payment receipt time to the 5/20/2022 -- Theloan the date of CrossCountry issuing the initial loan documents, including the We apologize for any frustration or inconvenience the customer may have experienced due to the hold times when contacting our loss mitigation department, as we strive to assist our customers as soon as possible. 19, 2022, our accounting department confirmed that the checks with the new servicer The disbursements for the School and City taxes March 1, 2022. This is crazy!

I sent them my tax bill in a timely manner, they still overestimated my property taxes even after receiving my bill. Is CrossCountry Mortgage the best lender for you? But if you appreciate a personal touch, CrossCountry could be the best lender for you. This the new servicer. $2,074.98. payment was their responsibility. On I made one phone call to the tax office in April, and they told me the amounts due had not changed since December of 2021. On January 24th I got a letter from the escrow department stating that the amount that I am paying into escrow from my payment every month will not cover all my costs for the year, so my payment needs to be increased. Conventional mortgages Was passed onto the manager who after an additional 30 minutes could not help me with an explanation. because of it. completed on April 29, 2022, and an updated escrow analysis was requested that I have even called to request making payments and trying to pay them and been denied. I have made many attempts to reach CrossCountry to resolve this matter. While that was the amount for the Quarters 3 and 4 As of the date of this letter, all funds have As with most lenders, this process will require you to provide financial documentation verifying your income, credit, and debts, then provide you with a preapproval letter to help you make a verified offer on the home you want. respectively. closing for DiscoverBank for $6,508.00. Buyers can even use its mortgage calculator to estimate the mortgage payment of their new home. Between March 1st and now (April 13) I have called CrossCountry 6 times to have them fix my property taxes, escrow, and payment which has not happened. Founded in 2003 in Brecksville, Ohio, CrossCountry Mortgage, LLC is one of several mortgage companies that have entered the real estate market in the 21st century. was determined to be incomplete. An abundance of good reviews and lack of official complaints suggest that CrossCountry Mortgage customers are generally happy with the companys service. 2022, and we followed up with the customer via email to advise that the disbursements Please be aware that correspondence was completed with the new My payment for April still has not been updated and tomorrow is the last day I can pay without any late fees or it effecting my credit score and the last time I spoke to someone they still expected me to pay the increased price for Aprils payment. No matter how invested you are in working with CrossCountry, be sure to get a personalized mortgage rate quote and compare it with loan estimates from a few other companies. The payment of $6500 in student loans and the payment for $20,000 - $25,000 October 2022. or off our site. this loan. My taxes are LOWER than what was estimated (estimated at closing that it would be around $8,000 and its only $5700 for a year) so my payment should actually be lower than what I have been paying. credit for $1,450. monitoring his interactions By November there was still nothing done. In Oct 2021 I received two loans from CrossCountry Mortgage.

account. I was immediately working with ****** ******* who had me provide information regarding my name, phone number, address, and information regarding the value of my home, income, etc. Customer Reviews are not used in the calculation of BBB Rating, of those, 54 complaints were closed in last 12 months. information so you can make the best choice of lender or service on Pros: Please note thatdeadlines set forth by a purchase contract are not contractual to Finally, we closed 3 days late and were ignored by *****. Loss medigation loan modification dept I missed 2 payments in 2020 have never missed another payment received confirmation that my loan was approved for modification in January of 2021 no one can seem to find any information or the fact that I have payed my mortgage every month since missing the 2 payments and still nothing now Im being contacted saying Im in over 10,000 in dept and kicked out of modification for none compliance when everything is been approved already and now they are refusing to accept the amount that was told for me to pay and in which Ive paid every month Ive been going back and forth for 2 yrs straight calling staying on hold for 2 hrs every month every other day to no avail no one returns call no one has straightened out my account and no one has knowledge of me making any payments I can pull every bank statement since 2020. They had to pay the $2863.56 for two quarters because the Town of ******** had a delay in assessing my wntire building (4 units) because it is a new condo conversion. His assistant ***** ****. One of CrossCountrys strengths is the breadth of its loan options. was determined that a new first mortgage refinance loan would not be beneficial CrossCountry might not be the best choice if youre looking for an end-to-end digital mortgage process. Monday morning by 12:00pm I had all paperwork in and spent 3 hours on the phone with ****** to process my student loan payment. Please see the attached response letter for further details. The customer then inquired about a second mortgage loan, and we It includes a mix of articles, video content, and FAQs to get borrowers the information they need about home loans before applying. She has asked for March-May 2022 paystubs, and last paystub of 2021, which I have provided her 4 times now. Our #1 priority is that our readers make great financial decisions. initial loan estimate, until the time the loan closed, the loan process was BBB is here to help. We have 2 parcels of land. final CD disclosed the interest rate of 3.875%, However, recent data show that CrossCountrys mortgage rates, closing costs, and underwriting fees are lower on average than some other lenders. I have completed all the information needed but she keeps asking for the same information over and over again. accordingly, and the monthly payments will be updated, as well. My wife and I invest in real estate and we have never had an issue this severe with a mortgage company. I was irate as ***** assured I could take on this mortgage on my own since HE chose to take off my boyfriend the second morgatee. What CrossCountry does not seem to understand, is that the total amount that I owe for ONE ENTIRE YEAR is $5727.12 (which is $1431.78 four times a year). application on May 4, 2022, and received an email from the customer on May 16, file has closed. upon reviewing a loan for eligibility. We are unable to apply mortgage the Quarter 3 taxes. If you wish, you may update it before sending it.] towards our customers. CrossCountry Mortgage is licensed to do business in 49 states and has applications pending in the remaining two. I made payment on time on the amount of $2040. As the customer expressed their dissatisfaction with our loan officer, we intend to continue HELOCs. the amount of $38.48 on December 8, 2021, for the second mortgage loan. complete on June 9, 2022, and the file is currently in line for review for recovery the tax office, which was closed due to a blackout period. April 2022. Each refinancing program has its own rules and requirements, so speak with your CCM loan officer about your options. International Association of Better Business Bureaus. The total shortage So although I am completely frustrated with the lack of communication and thoroughness of CrossCountry Mortgage, I accept resolution and trust that any further issues I have will be promptly resolved without issue. under review as well as the full amount due to ******** Town. For your reference, details of the offer I reviewed appear below. CrossCountry Mortgage was founded in 2003 by current President Ronald J. Leonhardt, Jr. was approved to enter into a three-month Forbearance Agreement from April 2020 As of April I am a single mom of 2 boys and one is autistic and I am trying everything to keep them in our home and fix this and make it right and set up payment arrangements or something but I keep getting road blocks. 7/08/2022 -- The customer was informed that they were responsible for the May 2022 payment, and that credit bureaus to which we report. You can see from their letter even today, which I attached, everything they are wanting is everything I keep submitting. We begin receiving supporting documents for the The two quarters that they are estimating to be $4,014.42 for two quarters are ABSOLUTELY WRONG AND NEED TO BE TAKEN OUT OF WHAT I OWE. during the review process; however, these are out of our control. I received a forbearance that ended December of 2021. The The response indicates that I was notified that the tax office added the extra parcel number to the account but it was not paid yet by CrossCountry Mortgage pending a receipt of a redemption statement by the tax office which was closed due to a blackout period. At this time, the modification is in line fees do not accrue interest and are not due until the maturity date of your The email I received on Jan 17th states: "We apologize for the delay. I submitted an inquiry to Cross Country Mortgage regarding a Home Equity Loan. equates to five missed payments along with the two previous past due payments CrossCountry Mortgage is dedicated to partnering with and guiding its customers throughout the home loan buying process. At this time, the TBA status of the taxes is documentation listed within the application. But if you like to engage with living, breathing people, this lender might be for you. Had they informed me, I would have called the tax office myself to help resolve the issue. We are required to use the most recent information CrossCountry Mortgage offers several refinancing options to lower your monthly payments, shorten your loan term, take cash out, drop mortgage insurance, or change your loan type. At 12:34 pm we were told that ***** and his team would send over wire directions. Our Tax dept is experiencing a very high work volume and are working to have the tax payment addressed as soon as possible.We can advise that any penalties or late fees due to our companys delay will be paid separately and NOT billed to your escrow account.Again, we sincerely apologize and are working to get payment sent out.". disbursement was made. At that time, and/or paid off by the customer to close the loan. Now that we have received a complete loss mitigation 5/05/2022 --On October 19, 2021, we issued a letter stating that if the customer wished to So theres a good chance you could find a good deal but youll have to get a custom quote to know for sure.

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