CrossCountry Mortgage review 2025: Huge loan selection—and a number of money-saving programs

Some customers may have gripes about the lender, as well, however. Here’s what you need to know to determine if CrossCountry Mortgage is the right lender for your home loan needs.

Lender details checked Dec. 8, 2025 and are subject to change.

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CrossCountry Mortgage at a glance

Who is CrossCountry Mortgage best for?

CrossCountry Mortgage is capable of accommodating nearly any financial situation. It offers all the standard loan options, but it also provides programs aimed at reducing eligible buyers’ down payments, closing costs, interest rates, and more. For this reason, it’s often a great lender choice for low- to moderate-income borrowers.

CrossCountry Mortgage can also be good for those interested in buying or improving their property with energy-efficient appliances, as it can result in lower interest rates and a mortgage that includes those expenses.

While CrossCountry Mortgage may not always be touted for its customer service, its continued ranking as a top five mortgage originator in recent years implies that customers are generally satisfied with its services. Fortunately, CCM has more than 700 branches around the country at which you should be able to get help with your loan in person if necessary.

CrossCountry Mortgage pros and cons

CrossCountry Mortgage home loan options

CrossCountry Mortgage issues (nearly) any loan you could want. In other words, there is no glaring absence on its menu of mortgage types. Here’s what’s available.

Conventional loan

Of all home loan types, conventional loans are generally considered the most flexible. They’re not secured by the government, so there are fewer guidelines as to how you can use it than with, say, VA or FHA loans (we’ll discuss those shortly).

You can choose fixed-rate mortgages from 10 to 30 years, as well as a variety of adjustable-rate mortgages (ARMs). Conventional loans are also compatible with programs like Fannie Mae HomeReady, which may allow you to put as little as 3% toward your down payment.

VA loan

A VA loan, backed by the Department of Veterans Affairs, provides distinct mortgage benefits to help eligible active-duty military and veterans (and surviving spouses) buy a home. For example, it often requires no down payment and no private mortgage insurance (PMI).

FHA loan

FHA loans are another government-backed option, insured by the Federal Housing Administration. Benefits of an FHA loan include a low down payment (as little as 3.5%) and comparatively relaxed credit requirements.

CrossCountry Mortgage offers multiple specialty programs designed for FHA loans, including:

• FHA HUD $100 Down Program: Those who can’t afford a down payment may be able to pay just just $100 when buying a Housing and Urban Development (HUD) home.
• FHA Good Neighbor Next Door: For law enforcement officers, teachers, firefighters, and EMTs, qualifying single-family homes may receive a 50% discount from the list price and be eligible for flexible financing.

USDA loan

Backed by the United States Department of Agriculture, a USDA loan is crafted to serve low- to moderate-income families desiring to buy a home in eligible rural and suburban locations. A down payment isn’t required, and closing costs can be paid by the seller, up to 6% of the sale price.

Jumbo loan

A jumbo loan is a non-conforming loan that gives you the funds you need to buy a home with a price tag above what a conventional mortgage covers. The maximum you can borrow with a conforming loan in many cases is $806,500 through Fannie Mae and Freddie Mac—though it varies based on location.

CrossCountry Mortgage gives you the ability to open a jumbo loan with 10% down without paying mortgage insurance.

Reverse mortgage

A reverse mortgage gives those aged 62 or older (even as young as 55, depending on the specific type of loan) the ability to stop mortgage payments and instead receive distributions from the equity they’ve built in their home.

Taking out a reverse mortgage results in a drop in the amount of money you’ll get when selling your home (or the value your posterity will inherit), as a portion of the money received from selling the property will have to go toward repaying your reverse mortgage. But it can still be a great option for those looking to take the strain off their budget as they get older.

Home equity line of credit (HELOC)

A home equity line of credit (HELOC) is a revolving loan that allows you to spend your home’s equity as needed. It’s similar to a credit card in that you’ll receive a spending limit that dwindles and increases as you spend and repay your balance.

You’ll receive a “draw” period, often lasting up to 10 years, during which you can freely spend your equity. You’ll only pay interest on what you use. After this borrowing period, you can choose to either repay any outstanding balance or set up a payment plan. Alternatively, you can refinance your HELOC and receive another spending window lasting a decade or so.

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Non-qualified mortgages

Non-qualified mortgages (non-QM loans) help those in unique situations to buy a home. CrossCountry Mortgage provides many non-QM options such as:

• Foreign National Loan: Those living outside the country can use this option to buy a vacation home or investment property located in the U.S.
• ITIN Line: Those without a Social Security number can use an Individual Taxpayer Identification Number (ITIN) to finance a home purchase.
• Bank Statement Loan: You can use bank statements to open a loan instead of relying on traditional income. This can fit the needs of the likes of real estate agents, investors, and more.
• DSCR Loan: If you’re buying a property you plan to rent out, you can lean on the income the home is currently generating to get approval instead of using the details of your personal income.

Renovation loan

A home renovation loan makes possible the improvement of either your current home or the home you plan to buy. You can borrow based on the value of your property after you implement your desired improvements.

Construction loan

If you’d prefer to build a home instead of buying a ready-made home, a construction loan gives you the financing you need. Instead of getting a large chunk of money upfront to pay the seller, CrossCountry Mortgage will pay incrementally as construction progresses. Because the loan is often interest-only, it tends to be more affordable.

Bridge loan

If you’re interested in buying another home and then selling your current home, a bridge loan can help you to make the transition. It lets you borrow the equity from your current property to fund the purchase of a new property. Then, when you sell your home, your loan will be repaid.

CrossCountry Mortgage bridge loans last four months and give you up to 85% of your home’s value.

Refinancing

CrossCountry Mortgage also offers plenty of refinancing options for those with an existing mortgage. For example, you can go for a cash-out refinance by taking out another loan larger than your current mortgage to repay your existing loan and put some extra money in your pocket. Or, you can refinance your conventional loan to take advantage of lower interest rates (but make sure it’s worth it to refinance your loan). 

Does CrossCountry Mortgage offer discounts or assistance?

CrossCountry Mortgage is brimming with loan assistance programs to help just about any profile to secure a loan. Whether you’re low-income, you’re having a hard time coming up with a down payment, or you simply want to add some energy-efficient features to your home, CrossCountry Mortgage has something to help you out.

Some popular options include:

• Low-Income Refinance Program: Eligible borrowers can get a 0.50% rate deduction and $2,500 in closing cost assistance.
• Temporary Mortgage Buydown: Receive a temporary rate reduction during the first few years of your mortgage, paid for by the seller or builder.
• “Bye-Bye PMI”: Private mortgage insurance is typically required if your down payment is less than 20% of your loan amount. This program allows you to put as little as 15% down without paying PMI.
• CCM Equity Express: If you need money quickly and you’ve got equity to borrow from your home, this option can provide a HELOC in as little as a few days. HELOCs often take one or two months to close.
• Mortgage rate lock: If you’re concerned about interest rates increasing before you’re able to close on your home, a rate lock will secure your APR immediately after you complete your application and choose your mortgage.
• Lock2Sell: As a seller, you can eat up to 9% of your home’s value for the purpose of advertising a lower interest rate through CrossCountry Mortgage.
• CCM EasyGreen: Choosing energy-efficient features for your house can lower the interest rate on a new or refinanced home if you’re an eligible borrower. The EasyGreen option lets you roll the price of your “green” items into your loan.
• CCM Line of Duty benefit: After the death of a law enforcement officer, EMT, firefighter, or paramedic (including volunteers), CrossCountry Mortgage will cancel the combined balances of the surviving family, up to $525,000.

CrossCountry Mortgage offers specialty loans, as well, including physician mortgage loans, condo loans, and more.

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How to apply for a home loan with CrossCountry Mortgage

Applying for a CrossCountry Mortgage loan is overall simple—but not particularly streamlined. You can’t submit an online application without the help of a loan officer.

The process involves a questionnaire that gathers information such as your progress with finding a home, its estimated price, your down payment, your work history and employment status, etc.

Once you’ve answered these questions, you’ll enter your contact information (email and phone number) so that CrossCountry Mortgage can reach out to you. You’ll then need to provide things like a copy of your photo ID, two recent paystubs and bank statements, two recent and complete tax returns, and two W-2s (depending on your work situation).

Is CrossCountry Mortgage reputable?

CrossCountry Mortgage is an extremely active lender that achieves an A+ rating with the Better Business Bureau. Its rating on reviews sites are low, however. It has just a 1.8 star rating on Trustpilot as of this writing. This is likely because online reviews are sparked by negative incidents, while those with a seamless experience aren’t often as vocal.

To boot, CrossCountry Mortgage ranked below average on the J.D. Power 2025 U.S. Mortgage Origination Satisfaction Study. The average score was 760, while CrossCountry Mortgage scored 735.

Alternatives to CrossCountry Mortgage

Rocket Mortgage

Again, Rocket Mortgage is one of the few mortgage lenders that is larger than CrossCountry Mortgage. Unlike CCM, Rocket Mortgage is a fully digital institution with no physical branches. It offers a similarly healthy selection of loan options (with the exception of USDA loans and HELOCs). It’s also a good choice for low- to moderate-income customers with its handful of programs that make loans more accessible.

Movement Mortgage

Movement Mortgage does several things well, including its blazing fast underwriting process and closing times and its solid presence of physical branches throughout the U.S. Movement is an “impact lender,” which means it puts a large portion of its profit back into the communities it works with. Similar to CrossCountry Mortgage, Movement doesn’t publish rates online.

Is CrossCountry Mortgage right for you?

CrossCountry Mortgage may be right for you if you can sacrifice award-winning customer service for excellent money-saving programs and a large selection of loan options. CCM is also good for those who want to access their home equity in a hurry, thanks to its Equity Express option which provides you with a HELOC in as little as a few days.

CCM may also appeal especially to those with low to moderate income, thanks to its initiatives to lower your APR, closing costs, and down payment requirements.

How we evaluated this mortgage lender

Fortune evaluates each mortgage lender without bias, focusing on the features that are likely to most heavily impact customers. We examined customer ratings, catalog of home loan types, accessibility, and programs offered to lessen the burden for those of low to mid income levels. We also considered customer service and the average speed at which CrossCountry Mortgage closes mortgages.

Frequently asked questions

How does CrossCountry Mortgage rate in J.D. Power customer satisfaction studies?

CrossCountry Mortgage scored below average in the most recent J.D. Power Mortgage Origination Satisfaction Study (2025). While the average score was 760, CrossCountry Mortgage scored a 735. To put this in context, the highest-rated lender scored an 802, and the lowest-scoring lender received a 697.

Does CrossCountry Mortgage offer down payment assistance programs?

CrossCountry Mortgage offers traditional down payment assistance programs, such as those issued by Fannie Mae and Freddie Mac. It also issues its own programs relating to down payments, such as the Low-Income Refinance Program and Bye-Bye PMI.

Does CrossCountry Mortgage post mortgage rates online?

CrossCountry Mortgage does not post mortgage rates online.

Is CrossCountry Mortgage good for first-time homebuyers?

CrossCountry Mortgage is good for first-time homebuyers thanks to its many money-saving programs and wide variety of loan options for virtually any financial situation. 

What are CrossCountry Mortgage’s Non-QM loan options?

CrossCountry Mortgage offers Bank Statement Loans, DSCR Loans, ITIN Loans, 1099 Loans, Foreign National Loans, Asset Qualifier Loans, Full Doc Loans, P&L Loans, and WVOE Loans.

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