The most disappointing and disheartening home buying process I could ever imagine. As a first time…read morehomebuyer, Cross Country Mortgage did not make my dream of purchasing my first property anywhere near what I thought the experience should be. To begin, the first representatives I spoke with conducted an over the phone interview with me where they seemed very genuine and determined to be very transparent and communicative. After that initial conversation I did not hear back from that representative again for almost two weeks. When I called to inquire where I was in the loan process I was told he was out of the office and they did not have an ETA on when I would receive an update on the status of my approval letter. My realtor got me in contact with a different representative and the loan process moved forward from there. The rest of my loan process was hit or miss. I was timely with providing them with the documents they requested however, they did not make it a priority to respond to my phone calls, voicemails or emails. The most traumatic part of my experience was that I was provided with a Closing Disclosure on 6/11 which showed my cash to close and itemized my closing costs. My expected closing date was 6/15. My realtor and I reached out repeatedly to ensure they had everything they needed to make my closing day smooth and the day before closing they stated for some unbeknown reason they hadn't finished the paperwork and I had to push closing back by two days. This was not only disappointing but I'm a teacher so it posed an issue with me having to try and find coverage for my classes at the last minute with the date change. Late on 6/14 I received a call stating there was another change and we were clear to close. Only having revived the Closing Disclosure from 6/11 I took those numbers and wired the outlined cash to close to the title company and showed up to closing. During closing the title company showed me an updated Closing Disclosure that I NEVER received from Cross Country so I was still unable to officially close because the cash to close I wired was almost $2000 short of what I was informed of. (I don't have an issue with the numbers changing however, I believe as soon as the title company was provided with an updated Closing Disclosure I should have been provided with that information as well.) I was also surprised to find that Cross Country had rolled credit card payments into my loan which had already been paid off causing me to spend out extra money during closing that I now have to wait to be reimbursed from the credit card companies. At no point in time did cross country ever disclose rolling over credit card payments into my loan and my realtor as well as the sellers realtor both said that this was a practice that they had never heard of before. I honestly feel that after my experience with this company I was discriminated against as a black woman and taken advantage of. I would never recommend this company to anyone, not even my worst enemy.

I highly recommend Ryan Brandenburger and his team at Cross Country Mortgage for making my house…read morebuying mortgage Before you Take a mortgage for 15 or 30 years you have to make sure you choose the best company As my experience Ryan and Alex are number one!

I have purchased several homes and worked with numerous mortgage companies over many years. By Far,…read morethe Cross Country Team outshines all the rest. Highly recommend! Dr P

Matt Weaver and his team were 100% on the ball from the get go with my client who completed his…read morepurchase by using Matt Weaver as his mortgage lender. As a Realtor and Broker I have seen numerous lenders and to date none have performed as GREAT as Matt Weaver. I HIGHLY recommend Matt for all your mortgage needs and I will continue to send my clients his way.

Josh is the best !! He took action when needed and always had our back and best interest. He was…read morealways available everyday , nights ,weekends etc. I had dealt with other brokers before and never dealt the way he made us feel --like family. He will tell you like it is and is very real. We dealt with so many issues that he always was the one I could lean on and who stepped up to the plate for us in so many ways. Thank you Josh for all you did and I recommend him to anyone !

Go elsewhere for your mortgage needs unless you like to be cheated out of thousands of dollars in…read moreclosing costs. After I got the initial estimate to close I contacted my broker and asked why my closing costs were so high. He assured me that one of his assistants made a mistake and he sent me a new estimate with much lower closing costs. Fast forward a couple of weeks and after asking at least 15 times for our final costs we finally got it out of them as we were driving to sign final docs. We turned around and went home when the number they quoted was curiously close to the original estimate. I asked the broker about the revised estimate and he said "what revised estimate". When I got home and emailed the revised estimate to him he said "yeah, but you didn't sign it". My mistake for not signing it but I made a bigger mistake by selecting Bayburg Financial in the first place. I have done over 12 mortgage loans in my life and Bayburg Financial takes the cake as the "worst ever".

We financed a handicapped shower. I paid it off in January. The only issue I had was after setting…read moreup my online account, the next time I tried to log in, it wouldn't recognize my login and password. I'd call, reset my password and then the next time , the same thing. This was several times. I always keep a locked note on my phone with the information and update each time I'd change it. It was finally fixed with no issues a few months prior to paying it off. There were no other issues as I set up with my bank's bill pay to automatically make monthly payments with no issues. However, after reading other people's comments about major issues, I don't know if I'd recommend them.

I hired a company NRG Remodeling to do work,I informed Service Finance Company per contract the…read morework is not done,on multiple occasions and was told to not release the money until contract are finished and they said ok,we have that complaint of file and contact them when work is finished, we'll I received a payment from svcfin. I called and they said they forced the loan through without my signature, now the company is not communicating with me. And the work is not done. Technically it's my money on hold to pay them, now you want me to pay you for work they didn't finish. Nrg didn't pack the dirt around the foundation,they piled the dirt around it, Service Finance Company is terrible. Also NRG Remodeling,they covered up my covered to my water valves.

The home buying process is stressful but dealing with Academy Mortgage was hands down the worst…read moreexperience ever! Our mortgage broker was not attentive and we didn't get information about our loan unless we contacted her. Her loan processor, Michael was incompetent and made careless mistakes (using my social security number on a request for my business tax returns instead of my tax ID number), asking us for information that was provided months ago; which ultimately resulted in delays in the process. Every time I attempted to voice my concerns to our mortgage broker, Kim, she was condescending and combative. Our closing was today at 3pm and we didn't get closing disclosures until 1:30. We had no idea until 1 1/2 hours before closing, exactly how much we needed to close. We ran around scrambling all day. Had Academy stayed on top of our loan and efficiently communicated with us, the process would've gone a lot smoother. We finally closed today, after being given 4 different closing dates. Honestly, we were more ecstatic about not having to deal with Academy Mortgage anymore than the closing of our new home. I am a real estate agent and based upon the way I was handled, would never refer any of my potential buyers to them. The only reason I selected 1 star is because it doesn't allow 0!

The team we worked with were such spectacular people! Shout out to Manola Kozar, thank you for…read morebeing such an amazing person and making the process so easy and keeping us abreast of everything! Highly recommend this company to anyone looking for mortgage needs!

Vanessa is a dream to work with, if you want someone that is going to fight your battles on your…read morebehalf and not give up, she is the one. She has great communication, fast response time, and creative solutions to help buyers get their loans across the finish line. Coming from the Real Estate background to now being an AE, Vanessa is the type of loan officer I am glad to work with on either end as I know she will get loans closed and remain professional.

From the owner: Personalized Service & Customer Experience Unlike other…read morecompanies in our industry, we take the time to truly understand our customers' needs. Our team is dedicated to offering tailored advice, solutions, and ongoing support to ensure you get the best value. Every interaction with us is designed to make you feel heard, valued, and respected. Commitment to Sustainability We are deeply committed to sustainability, from ethically sourcing our materials to reducing our environmental footprint. We use eco-friendly processes wherever possible and partner with suppliers who share our values, ensuring that every purchase you make with us supports a more sustainable future.

Heather Craig is my "go to" loan officer for over 15-years! She is very knowledgeable, involved…read morewith every file, has excellent communication skills, and is outstanding with her clients. She'll do everything she can to get our Buyers to closing smoothly and on time. It's hard to find someone who you can trust, is detail oriented, calls you back when promised, and communicates throughout the process. Her guidance and expertise in reaching your financial goals is invaluable, call Heather!

From the owner: Heather will be your personal mortgage partner from start to finish, streamlining the process…read more Unique programs include our 5-day Equity Express Fixed rate approval options, our NO Mortgage Insurance with just 15% down subject to approval, and unique programs to help sellers and buyers move into their next home. DPA Down Payment Assistance options. Special Jumbo programs. Non-conforming, FHA. VA, USDA, Conventional, and special self-employed programs. Want to love it? ask about our favorable lending options to remodel your home, or to add more space for additional income. Want to list it? we have programs to help you move before you sell! We will work with your Realtor! Do not have a Realtor? We work with top notch local Realtors that we can connect you with. Equal Opportunity Housing Lender Heather Craig, Loan Officer, NMLS# 325921 CrossCountry Mortgage, LLC NMLS 3029 - Mortgage Rates and Resources licensed in FLA, GA, LA, TN, AL, TX and VA - Licensed by the Virginia State Corporation Commission. Equal Housing Opportunity. This office is licensed and examined by the Office of the Consumer Credit Commissioner of the State of Texas.

I just closed on my mortgage with Third Federal, Boca Raton Branch. My loan officer was Olena, and…read moreshe was absolutely incredible. Her communication throughout the loan process was efficient and friendly. The documentation was minimal, and the rates and terms were among the best around. Technology made it simple to apply on-line, lock the rate, sign disclosures, etc. This was the third loan that I've received from Third Federal in the past 10+ years, and I would highly recommend this bank.

Back to visit Marie, who was pleasant and helpful as last time. Went to try & avoid a $12/month…read moreaccount fee. Bless their hearts, if you keep a $1500 balance, on which you will be paid .01% interest, they'll wave the fee! Amazing to me how little customer traffic there seems to be at this location.

FIVE STAR ALL THE WAY! Moving to another state can be overwhelming. Finding a lender you can trust…read morecan be even more challenging. We have known Bill for years in Florida and know that he is the best! Bill did an excellent job of communicating and making the process as painless as possible. He was professional, kind, patient and persistent- just what you want in a mortgage broker! Thanks Bill, we are loving our new home in Tennessee!

I do business with people that do business with me - there wasn't even a second option. Together,…read morewe figured out how to put together a perfect mortgage scenario and Suzanne stayed in touch the entire way.

We dealt with Erez Cohen, the loan officer who had been absolutely knowledgeable, professional and…read moreefficient. Not only was he pleasant to us, he was very thorough and patient with all of our questions and concerns. In the end, we refinanced our property without any issues or worries. I hope this review helps you with your decision to hire this professional as he is truly great at his profession.

From the owner: Ryan Rosenthal and Erez Cohen are the owners of Liberty Mortgage Lending, Inc. Our office is…read morelocated in Delray Beach, so we are easily accessible on weekends and late nights, should a client wish to visit us outside of normal business hours. This is a huge bonus when time is of the essence and last-minute information is needed. With over 40 years of combined industry experience, we know the ins and outs of all facets of lending. Our company also handles FHA and VA correspondent loans. This is an advantage for borrowers who can only put down 0%-3.5%. We are licensed in Florida, California, Georgia, North Carolina, Michigan, and Colorado. Ryan Rosenthal, NMLS #136059 Erez Cohen, NMLS #136062 Company NMLS: 131914