The Mortgage Process Should be Quick and Easy

Follow these five easy steps and you will be on your way to owning your new dream home.

Step One

Apply For The Loan

We make it easy and convenient. Apply for your CrossCountry Mortgage, Inc. loan by phone or online.

Step Two

Gather Important Documents

Be sure your pay stubs, bank statements, and W-2s are all easily accessible. Some of the mortgage terminology and paperwork can be a little overwhelming, especially if you’re a first-time home buyer. That’s why CrossCountry Mortgage, Inc. is just a phone call away, always ready and willing to answer your questions and make sure you have everything you need.

Step Three

Determine the Best Mortgage for You

Adjustable rate mortgages, fixed rate mortgages, down payment considerations, the list of loan options goes on and on – there are probably some you’ve never even heard of – so how do you choose the right one for you? With our help. It’s our job to understand all the financing options available and help you determine which solution is best suited for your long-term plans. That way you’ll know you’re getting top-notch service and the best rates, too. Remember, at CrossCountry Mortgage, Inc., we’ve already pre-qualified you for a competitive low rate.

Step Four

Maintain Your Credit

Your credit, employment history, assets, property value and more will be verified. Don’t make any major purchases during this time – they will increase your debt as well as the risk for a lender. Respond to all questions and requests promptly. Complete your application thoroughly. Don’t move money around in your accounts. Disclose all other loans and credit, and be available as your closing date approaches. Any questions or concerns, just call us.

Step Five

Close the Loan

Closing typically takes place in the presence of a public notary. You’ll review final documents, pay any out-of-pocket closing costs and down payment requirements, sign the loan and get your keys! And at CrossCountry Mortgage, Inc., we can close your loan in as few as 21 days!

Mortgage Loan Payment Calculator

How much will my mortgage payment be?

When trying to budget out your future financials, it’s important to factor in your monthly mortgage payments. In order to estimate, you’ll need to input your mortgage amount, loan term, and interest rate.

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, Inc. product terms. The information cannot be used by CrossCountry Mortgage, Inc. to determine a customer's eligibility for a specific product or service. All financial calculators are provided by a third-party and CrossCountry Mortgage, Inc. is not responsible for the results or the accuracy of the information.

Mortgage Checklist

The following information is usually required during the loan process. Additional documentation may be requested.

  • Your government-issued photo ID
  • Federal tax returns for the most recent two years
  • W-2s for the most recent two years
  • Pay stubs for the past 30 days
  • Bank statements for the most recent two months
  • The purchase contract to your new home
  • Most recent copies of asset/retirement account statements
  • The declarations page of your homeowner’s insurance

Home Buying Guide

Our free guide to buying a home provides all the information you need to understand the home financing process, the loan options available to you, and why buying a home may be better than renting.

Home Refinance Guide

Our free guide to refinancing a home covers available refinance programs, the benefits of refinancing, and the process to refinance a loan.

home buying guide pdf