Review Time
I recently worked with CrossCountry Mortgage and loan officer Mark Manthei, and my experience was very disappointing. I was told that getting a bridge loan would be “easy” and that it would cost about 10% of the home price per month while we waited for our other houses to sell. What I was not told upfront was that there would also be around $10,000 in additional costs just to set up the bridge loan on top of those monthly payments.In total, I paid about $48,000 over four months to stay in the house, which was far more than I expected or felt was clearly explained to me. When I expressed concern, the response I received was essentially an admission that the situation had been mishandled, but the damage was already done.At closing, there was also an additional ~$8,000 added to the closing costs that we had not been prepared for, which caused more stress and confusion.Based on my experience, I did not feel well-informed or supported through the process, and I would not use this company again.
We went to them refinancing our home which we had no loan on. From day one the communication was terrible. I was told I would get so much money and then it kept going down until the day we closed. The communication of the closing documents was extremely unprofessional. SOLD OUR LOAN AT A HIGHER INTEREST RATE WITHIN 1 WEEKS OF CLOSING.
A misleading and unprofessional company to say the least. I would give them a "zero" star if it were possible. I was mislead about required documents, timelines and communications proved to be just words with no true commitment from the company. They pair you with a licensed loan officer for the state you have collateral property in, but you never communicate with anyone beyond this person. I started on September 3rd, 2025 a DSCR loan process with a 57% LTV on a rental property. There were no major issues or problem with the appraisal. They just continued to lead me on by revising the promised closing date, only to come and pass with no closing. I even informed them we needed to close before I left the country in early November with a return the 3rd week of November. I was told we would close when I returned if it did not happen before I left. I was originally told we would close in 6 weeks from starting the process. When I returned from travel, the loan officer would not communicate with me by any means. I literally had to have a friend call my so-called loan officer so he would answer an unfamiliar phone number, and when I got on the phone, all I heard was apologies and excuses. So I just discontinue any further talks with them. My recommendation is to run far away from this organization. They are worthless and seemingly, scammers.Quote, " If you’re still interested and those two requirements are fulfilled we could have this closed in December… I know my word probably has little to no value to you at the moment, but that’s the honest truth. I wouldn’t re-start this process and waste both of our time if I didn’t feel we could close. To provide extra caution, I’ll have my director take a look at things as well and assure there is nothing else missing. Either way, I’ll provide an update tomorrow once the market re-opens." This was all untrue, not performed, and worthless words.
It has been over 1.5 months since I paid off my mortgage. There is an escrow refund of $7000 plus and they are not refunding my money or pay off the real estate taxes. I was able to speak to a customer service agent before but it appears that my telephone number has been blocked by CrossCountry motgage and I cant even get a person on the line. Supposedly a refund was made but I never got the check. I got a check for the overage on the mortgage account approx $30 but the big check is still missing.
Horrific customer service. Someone called me and was rude, critical, did NOT listen to what I said I was wanting in regards to a loan, kept me on a call for 25min telling me nothing helpful other then to keep asking and questioning why I was asking the questions I was asking. Talked down to me, even after I informed them I'd been in real estate for 20 years, and I will NEVER speak with anyone from this company again. HORRIBLE. RUN, DON'T WALK AWAY.
I would definitely give this company zero stars! This is absolutely the worst company I have ever dealt with. We contacted them in September for a modular home loan. I was told that my husband and I would be able get the money for our loan on November 15th at the same time we went to settlement for selling our primary home. After many, many, many, emails and phone calls back-and-fourth with Cross Country and Triad November 15th came and went, and we did not receive the money for the loan. We had presented all the documentation and meet all requirements, we even received the clear to close, but no one was giving us a date that we could actually close. My husband and I are seniors and had to live in a hotel for over three weeks because of this company. We had two dogs that had to be kenneled for the three weeks while we were living in a hotel, during that time, one of our dogs, who was also a senior got very sick, and he had suffered from severe separation anxiety. Dealing with both Cross Country and Triad has been the worst experience that I have ever experienced. Both Cross Country and Triad should be ashamed of the service that they gave us! I never have ever written a bad review, but this company has definitely given me a reason too!
My CCM agent was Nathan Kuether, based out of Dublin, OH. My loan was for a double-wide manufactured home, so there are few lenders that will do this kind of loan. Nathan was personable to start but extremely slow. After submitting all needed documents twice, Nathan informed me that we were good. However, a dispute between the seller and the actual lender (Triad) caused a month delay. I asked him to explain the reasoning multiple times and got vague answers. Just after this delay, the seller reached out to me and informed me I needed to get home insurance or the deal could not go through. After frantically calling Nathan, it turns out, yes he needed me to get this done but had never informed me. I immediately got an insurance quote. It was rejected. I asked Nathan why and he gave me a vague reason. When I pressed him, he blamed Triad (the lender) for their strict insurance requirements. After calling Triad directly, it turns out Nathan lied. I was able to get a very easy quote through an insurance carrier that ticked all the boxes. I submitted to him and it was still rejected. After a very terse phone call, it was then accepted. At signing, the title company attached to CCM asked if I wanted paper or electronic copies of the closing documentation. I requested an electronic copy. They said it would arrive that evening. It didn't. I am in the process of setting up the escrow account without Nathan and fighting to get my closing documentation a week later. The whole experience has been surreal due to incompetence or outright laziness. It seems, after reading a few reviews, I am not alone in my experience. I would highly recommend anyone searching for a manufactured or mobile home loan go to Triad and bypass this joke of a broker CrossCountry Mortgage.
CrossCountry CrooksCrossCountry Mortgage lured us away from a better loan from a competitor, failed to honor a $13K lender credit, overcharged us $9K in payoff discrepancies, and lied about applying biweekly payments that would've saved us thousands in interest. We’ve filed complaints with the CFPB, the DFPI, and the BBB. Their practices are deceptive, predatory, and in violation of TILA, RESPA, UCL, and CLRA.Avoid CrossCountry Crooks at all costs!
Buyer Be Extremely CarefulAs a first-time homebuyer at 48 years old, I trusted the professionals at CrossCountry Mortgage and Enclave Realty to guide me through one of the most important financial decisions of my life.I regret that trust.I was encouraged to waive a home inspection to make my offer more competitive. After closing, I discovered significant issues with the property that have required major repairs.The FHA appraisal came in at $309,000 rather than the $315,000 purchase price that was being pursued. I later learned that efforts were made to move forward at the higher agreed amount, and I was not fully informed about those discussions in real time. I became aware of certain appraisal-related communications through the title company rather than directly from the lender or agent.I was quoted approximately $3,500 for what was described as 0.5 mortgage point on a $309,000 loan. That calculation did not align with standard percentage math. I was not clearly educated about how discount points work or whether they were financially beneficial.My closing costs included roughly $3,000 in administrative-type fees. After the transaction, I learned that some of these fees may not have been required under Minnesota law. That information was not explained to me before closing.Communication started strong but declined as the transaction progressed. I felt rushed through major financial decisions and did not feel adequately represented.If you are a first-time buyer:Do not waive inspections.Review every fee line by line.Ask specifically what is legally required versus optional.Get second opinions.Do not allow yourself to feel rushed.I learned the hard way that you must protect yourself in real estate transactions. Do not assume someone else is doing it for you.
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