We purchased a home in April 2023 and used Cross-Country Mortgage for our lender which was a huge mistake on part, and I will explain why that is. Prior to closing on our house, we obtained our own Homeowners Insurance Policy through our insurance carrier which Cross-Country Mortgage had approved. We also had to pay for the first-year premium for our insurance which we paid along with several other fees that Cross-Country had rolled into our purchase agreement. Cross-Country was to hold that premium amount and pay our insurance when it was time to renew it in April 2024. Our monthly mortgage payment also included insurance and taxes that were supposed to be paid by Cross-Country as well each year. When April 2024 rolled around our insurance premium was supposed to be paid from our Escrow Account only that is not what Cross-Country did and we had already paid the money for our insurance at our closing and our insurance coverage was canceled which we had no idea that this situation had even taken place until our insurance company notified us about the cancelation. I immediately began trying to get ahold of somebody at Cross-Country Mortgage because this situation needed to be dealt with immediately and I had no luck, and I called the customer service number at least 50 times and no one ever answered. I then resorted to drafting letters and mailing them to Cross-Country in April, May and June and still no one from Cross-Country had contacted us. Then Cross-Country resorted to putting "Forced Insurance Coverage" on our property and took $2585.00 out of our Escrow Account to pay for it and now we won't have enough in that account to pay our taxes for this year. Cross-Country Mortgage has really screwed us over and no one from that company will respond back to us and believe me I have tried and tried to get a response. In addition, all the fee's they are charging are much higher than most other lenders out there as well. I would not even have this lender finance a doghouse for us in the future or anything else. Thank the lord that we are refinancing through another lender just to get away from Cross-Country Mortgage. I would never recommend this lender not even to my worst enemy!
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