Review Time
We reached out to CrossCountry Mortgage after being invited to join their “Refinance Club,” which was supposed to offer specific waived fees. What a disappointment it turned out to be nothing more than a sales pitch and one of the most stressful, unprofessional experiences we’ve ever had.We worked with Jacqueline Clay and the James Beard Team, and from day one we were given conflicting information about our credit and payments. Their third-party verification company (Factual Data) reported false late payments, and we spent hours trying to fix their mistakes. Calls went unanswered, we were transferred around, and the communication was terrible.When I brought up concerns, Jacqueline was rude and condescending, saying things like “You just don’t listen, Devina,” and “Wow, you don’t appreciate what I’ve done for you.” She even said, “Devina, you worked in finance, you should understand,” which is ridiculous. I’ve never worked in finance, I just ran my own small business and did payroll. At one point, she even told me, “I’ll work on your file, but don’t tell your husband.” That was completely unethical and inappropriate.When I reported her behavior to James Beard, he brushed it off, saying, “She’s really put herself out there for you she works late and sometimes does too much to try and help, even when I’ve told her it’s not possible. She makes miracles happen.” That kind of response showed a complete lack of accountability within their team.After weeks of wasted time, stress, and misinformation, we finally walked away and refinanced through Guild Mortgage, who found no late payments, no credit dings, and got us a cash-out refinance at a great rate all without the chaos or disrespect.I would not recommend CrossCountry Mortgage or the James Beard Team to anyone. Save yourself the frustration and go somewhere that treats you with honesty and respect.
CrossCountry Mortgage broke Washington State law in transferring/selling my loan.My loan was sold to Chase, but CrossCountry never removed the loan from their servicing department. The result was having two banks stating that I both owe them monthly mortgage payments. Customer service was zero help. After impact to my credit score, 100+ hours on the phone and performing research, I had to reach out directly to the US and Washington state regulatory agencies to get it fixed.
Spoke to Brandon Walsh. I needed an expedited home equity loan. He assured me he would get it done quickly. After weeks weeks of back-and-forth with information he requested he would disappeared. He went on vacation for a week didn’t tell me left me hanging by the phone with unanswered emails. Spoke to CARLOS . He apologized and said he right on it after two or three correspondents he disappeared as well. This is some bs company
Buyer used Brett Wilmer at Cross Country MortgageHorrible experience. We were the sellers, so we did not have any control over the selection of the lender, but Brett and his team cause a great amount of additional work and finances on our end. The closing was delayed 7 weeks, due to incompetence. The biggest issue was that all notifications were made at the last minute. We had completed all last-minute details to sell the home and were to close the next morning at 9am. We received a call at 7pm the night before that we could not close due to a FHA guideline related to the buyers. We had utilities ready to be transitioned, insurance ready to cancel etc. The closing was delayed 6 weeks and we signed out paperwork at 10am then got a call at 5pm that the buyers could not close because the lender had not given them a 72 hour notice related to the appraisal. Again, a last-minute notification. This delayed the closing another 5 days, which changed some of the purchase amounts, etc. As the seller he could no offer us anything directly but did give small compensation for the inconvenience, it did not cover our expenses or time. I do not recommend the lender.
Went great for 4 years then company switched hands. New company charges late fees that don't exist. Even when you email them account transactions showing payment was made before due date. If shopping for mortgage or refinance, go anywhere else. This is a corrupt, dishonest company
Wooster, OH Cross Country Mortgage (Wooster): My loan officer, Crystal, out of the North Market St, Wooster, OH, Office is the absolute best! She worked tirelessly, providing me several different options so that I may choose the best option for me and my family. Crystal is friendly, smart, and explained everything in detail and clearly, so that I could understand everything that was taking place each step of the way. She made me feel like I was her only client and her number one priority every single day. In moments I felt stressed about the home-buying process, her friendly and kind disposition calmed my nerves and helped me stay positive through things that were unrelated to the mortgage, but were part of the home-buying process. She always gave the best advice and I will be using her for all of my mortgage and refinance needs for the rest of my life! As well as my family and friends! Thank you, Crystal!
In processing my FHA loan application, I received a call from the loan officer. He said he was writing my pre-approval letter and it would arrive in email in a few minutes. It never came. My realtor emailed him and asked for a copy. He didn't respond. I called the HQ in Ohio, they switched me to another agent. The new agent contacted me and within a few hours, demanded that I take action that violates numerous federal rights. She ordered me to remove disputes on non-derogatory accounts that are nearly 6 years old. I informed her of my rights and knowledge of FHA mortgage guidelines which do not require an applicant to remove disputes from non-derogatory accounts over 24 months old. She did not respond. On this email, the agent copied my realtor and nine others from various companies with my private credit report information by attaching numerous screenshots of the report details. I emailed Customer Service and asked for underwriting to issue a Mortgagee Letter required under FHA guidelines to enable the applicant to provide documents, evidence, and affidavits. No response yet. It is best to avoid this company and go with another. So far for me, there has been nothing but headaches, embarrassment, humiliation, unlawful demands, and deliberate deception at this early stage of the game.
It is nearly impossible to reach a live person by phone. Since my insurances had gone up I decided to pay my own insurances to keep my mortgage payment low. I called CCM and they agreed that they would no longer pay insurance through escrow. After paying for my insurance through my carrier, CCM paid them again. On the same day I received a refund from Farmer’s Insurance I got a letter from CCM saying they didn’t have proof of insurance and were going to go out and purchase a policy and charge me for it - this is after they already paid it and I already paid it. These folks are terrible to work with. If they don’t like what you have to say when you do get through to them they wil hang up on you. ABSOLUTE WORSE CUSTOMER SERVICE I have ever seen.
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