Branch Network Member Benefits

Full Product Portfolio

As a full-service mortgage Lender, CrossCountry Mortgage banks all of our loans in-house. We offer one of the most diverse and complete product portfolios in the mortgage lending industry, allowing branch partners to originate the following types of loans:

mortgage branch partner shares the benefits of having direct lender handle audits and reports

Before I joined CrossCountry Mortgage, much of my time was spent dealing with administrative tasks. With all the regulations surrounding the lending industry, I was required to stay on top of reporting and filings.

Now, I have time to generate business. My mind is where my heart is; I do my calls, interact with prospects, brain storm on new market possibilities, and even get to have a drink with the guys for happy hour.

The staff that handles our back-office is competent, and whenever we need administrative support, everybody at CrossCountry Mortgage are ready to help us. They are prompt and have a yes attitude.

FHA
VA
CONV
USDA
203K

Jumbo
HARP 2
Homepath
Reverse
Many more...

Direct FNMA approved

CrossCountry Mortgage is a Fannie Mae approved seller/servicer. This means that we are not tied down by the guidelines and restrictions put in place by many other lenders. We sell our loans directly to Fannie Mae so we have many unique loan products that other lenders cannot offer.

Licensed in 49 states

CrossCountry Mortgage is currently licensed in 49 states and has applications pending in the remaining states. Branch partners have the option of doing business in any of those licensed states. We also offer a referral program within our branch network, ensuring that no loan falls through, even if it is outside our branch partner's footprint.

Fast Underwriting

Our loan officers enjoy the quick and efficient closing times that are the cornerstone of how CrossCountry operates. We’ve geared our underwriting department to close loans within 28 days or less, from start to finish.

Full scenario support

CrossCountry Mortgage offers a full scenario desk to all of our branch partners, offering the services and expertise of our trained support personnel, working directly with underwriters and investors to assist with any and all possible loan scenarios.

Associate of wholesale lender, direct endorsement lender, talking about the group benefits available to branch managers that join CrossCountry Mortgage network

I am aware that as a service provider, our organization depends on the well-being of its members. I like this, it gives me a sense of purpose...

Our mission is to support every member of the organization to the fullest extent possible. We don't succeed unless our people succeed!

I enjoy getting to know everyone at each of the branch offices because it challenges me to help each person individually. As I develop a relationship with a member of our organization, I ask myself, how can I help enrich their lives and help them reach their personal & professional goals.

No Middleman; Fannie Mae Direct Pricing

Our branch partners reap the benefits of CrossCountry's status as a direct Fannie Mae Lender that allows us to offer true wholesale pricing to our branch partners. Our competitive interest rates and complete product portfolio make CrossCountry Mortgage one of the strongest and most appealing lenders in today's market.

Accounting

CrossCountry uses the AMB accounting software program. This allows branch managers to
seamlessly track their branch financial picture. This software makes it easy to manage payroll,
expenses, and produce virtually any report needed.

Lender vs. Broker

Because CrossCountry Mortgage is a mortgage banker and not a mortgage broker, we are not
required to disclose lender paid compensation. This eliminates questions and confusion when
dealing with borrowers and referral partners.

Professional Payroll Company

CrossCountry Mortgage utilizes a professional payroll company, Paychex to ensure your payroll is 100% accurate and is delivered to our loan officers on time, every time.

Group Health / Vision / Dental / Life Insurance

CrossCountry Mortgage has a full benefits package including: health, vision, & dental insurance, along with a full 401K program. This allows our branch managers to recruit and retain the top talent in the industry by offering a competitive benefits package to its employees.

Loan officer shares his partnering experience with a direct endorsement lender

I love being a loan officer for CrossCountry. I have all the products I need to market to my realtors and our rates are awesome!! I can compete with all the local banks, and our service far surpasses anyone else in town. I'm here for life!

Save on Staff

CrossCountry Mortgage is fully staffed so you don't have to be - We handle all branch accounting & payroll, corporate processing if needed, along with a full HR department. Our goal is to enable our branch offices to be 100% focused on sales while we handle every other detail.

No Need for Audited Financials

HUD and many lenders require audited financials with substantial net worth in order to be approved with them. With CrossCountry Mortgage, this is not your burden to bear. We are a very financially sound lender, with net worth far exceeding any industry or regulatory requirements. You have no need to worry over financial stability with CrossCountry Mortgage

We Handle All Compliance and Audits

In a hyper-regulated marketplace, originating loans is akin to walking in a minefield. Luckily, this need not concern our branch partners. CrossCountry Mortgage employs a fully staffed compliance department, ensuring adherence to all state, federal, and investor requirements.

Our compliance department handles everything from NMLS licensing to HUD and RESPA guidelines to branch audits. We also keep mortgage-specific counsel on retainer as an additional source of advice on regulatory changes, making sure that CrossCountry Mortgage is not only the best option for mortgage lending, but the most sound.