Guiding First-Time Home Buyers To Easy And Affordable Home-ownership
we help first-time home buyers cover their entire down-payment
We do this by connecting you with unique down payment assistance programs that the major banks and credit unions simply do not have. We navigate you through the entire process, ensuring a smooth, affordable path to owning your first home.
Our Reputation Speaks For Itself
Plus Many More, 400+ More...
Very professional and knowledgeable loan officer. Craig is fantastic and outstanding man, he made the progress easy and painless.
Halim
Craig is the man. Very informative and helpful. He walked me through my first time buying a home and made it very easy for me. Will definitely be using him again in the future.
Zack Hudson
Craig was exceptional. Very professional, kind, and patient to answer all my questions, no matter how often, as a new homebuyer. He's the real deal!
alice lee
Helping Families Fulfill the Dream of Home-ownership For Over 30 years
7000+
Employees
600+
Nation Wide Branches
30+
Years of Tradition
100K +
Satisfied Home Owners
Local, Direct Lender With In-House Underwriting
We Give You Access To Unique Down Payment Help Not Found at Big Banks
We specialize in getting first-time buyers like you into homes by connecting you with down payment assistance programs that big banks and credit unions often overlook.
Our approach is all about making home buying simple and achievable, no matter your savings.
What this means for you is a straightforward home-buying experience with the added benefit of less money upfront. We know all the ins and outs of these special programs, and we're ready to find the perfect one for you, ensuring you get into your first home with ease and confidence.
Always Available: Our Mortgage Team Works Around Your Schedule
Highly Experienced Mortgage Advisors Available 7 Days a Week
Our team of seasoned mortgage advisors, each with over 15 years of experience, is available every day of the week, including evenings and weekends.
We understand that the home-buying process doesn't just happen during traditional banking hours, so we're here when you need us most.
Whether it’s a quick response to an unexpected situation, an urgent pre-approval update, or a weekend call to a listing agent, our team is prepared to assist you promptly. If your dedicated advisor is unavailable due to unforeseen circumstances, rest assured that another experienced member of our team will be there to seamlessly handle your questions.
Our commitment to timely communication sets us apart: we respond to all emails and voicemails within 2 hours, a response time that far exceeds the 24 to 48-hour average of big banks and credit unions.
Lower Interest Rates And Fees - Means More Money For You
Better Rates and Lower Fees than Major Banks and Credit Unions
At Cross Country Mortgage, we take pride in offering interest rates and fees that are consistently lower than those of major banks and credit unions. This isn't just a promise; it's a tangible benefit that puts more money back into your pocket. Our focus on affordability means significant savings for you throughout the life of your mortgage.
But saving money doesn't mean compromising on service. We blend these cost advantages with personalized customer care, something often missed in the big bank experience.
With Cross Country Mortgage, you're not just getting a loan; you're gaining a financial advantage and a partnership that values your individual home buying goals.
Get the Keys to Your New Home Faster
Ultra-Quick Loan Processing - From Application to Closing
Our service has exceptional speed, setting us apart from major banks and credit unions.
We expedite the pre-approval process, achieving it within 24 to 48 hours, compared to the typical 3 to 5 days. Our efficiency continues through to closing, where we average a mere 22 days, drastically smaller then the industry's 49 days.
This seamless and swift journey from initial application to closing is a standard our commitment to efficiency, ensuring you can move into your dream home faster and without the usual delays. Our integrated, in-house process guarantees not just speed, but also a smooth and reliable home buying experience.
Hundreds of New Home Owners Loved The Simplicity and the Hassle-Free Application of Cross Country Mortgage
But Hey - Don’t Just Take our Word for It..
Since 2003, Cross Country Mortgage has been redefining the mortgage experience, evolving into a top full-service lender. Under Ronald Leonhardt, Jr., we've grown to over 600 branches nationwide, serving clients in all 50 states. Our streamlined, transparent approach has earned us an A+ BBB rating and numerous 5-star reviews. As a direct lender approved by Freddie Mac, Fannie Mae, and Ginnie Mae, we offer a wide array of loan products, ensuring a seamless and personalized home buying journey for each customer. Our commitment? Your dream home, made simpler.
Meet Your Mortgage Advisor
Craig Mitchell
Hello, I'm Craig Mitchell, your trusted guide on the journey to homeownership. Since graduating from UC Davis in 2000, I've dedicated my career to helping people like you achieve their dream of owning their first home.
As a Branch Manager at Cross Country Mortgage, I've had the privilege of guiding over 1,450 first-time buyers through this exciting process since 2004.
My expertise is recognized nationally, placing me in the top 1% of Loan Officers in the United States. What truly drives me is my role as a preferred loan officer with the California Housing Finance Agency, where our mission is to assist moderate-income families in securing the down payment assistance they need.
My commitment is to empower you with the knowledge and resources to confidently step into your new home, knowing you've had an experienced professional by your side every step of the way.
Here Are Some of The Hundreds Reviews We Receive Every Day
Here’s What People Are Saying.
Fast, Efficient, and Kept In Touch
Accurate, Efficient and Pleasant
My husband and I are very big on energy and Craig was very warm, kind, and welcoming. He made himself available to us and got us the answers we needed. Craig even offered helpful information along the way that we didn’t even know we needed. In the end we were able to land our dream home as first time homebuyers with a loan that worked for us. My husband and I were recommending Craig before we closed on our home!
Expectations exceeded
There was no pressure or sales pitch
I'm giving Craig 5***** for his immaculate service as my broker and working with me close on my first home. Craig went above and beyond and did his due diligence to get the job done. He kept me updated as days passed and never left me in the dark, never let me believe the unbelievable and for that he is as honest as they come. I was referred to Craig and I'm hoping to refer one of my friends.
Straight Forward
Craig is amazing!
Craig did a outstanding job with my house buying process! He is very knowledgeable and is always available to help and answer any questions I had. Couldn’t have done it without him! I’m looking forward to many more house buying deals with Craig. I highly refer Craig to anyone buying a home. Thanks Craig!
Couldn't be more pleased
Craig was knowledgeable, prompt and concise.
I got Craig's contact from my Realtor to find out about FHA loans for my first house. He quickly education me about a better program which reduced my monthly payment and helped with the down payment and closing costs. He also extended the promised rate when the closing date slipped past the last date of the interest rate lock.
Craig Is Very Awesome To Work With!
He constantly overdelivered!
Craig was very awesome to work with. He was very easy to communicate with and was always available. He explained to my wife and I every process of buying our home step by step, and he explained everything very clearly so that we was aware of it all, and didn't feel lost or left out. He has made our first home buying purchase easy and stress free. He was Amazing to work with.
Craig Went Above and Beyond For Us. Highly Recommend
If I could give more than 5 stars I would!
Wow! What a great guy!! He was there at every step of the way to make the home buying process easy and understandable. As a first time home buyer, I had lots of questions and Craig was always able to take my call and happy to answer. If I could give more than 5 stars I would! He deserves it!
Exceptional Service
He was there every step of the way!
Without Craig I can honestly say I don’t think we would have been able to buy our house. Craig was there every step of the way and answered all of our many questions. He recommended a program that worked well for our situation. We feel incredibly lucky to have had his help.
Exceeded all our expectations.
Extremely responsive
Craig was critical to us buying a house.
He even went as far as to call the seller to ensure we were good for our money. He is extremely responsive. We will be working with him for all future house purchases or refinancing!
I wouldn’t choose anyone else but Craig
Top notch!
Absolutely top notch! Stays on top of the process and keeeps yu in the loop with weekly communications so that there are no surprises. Very pleasant to work with and he never forgets whom he works for. If you are considering buying a home, get Craig on your team.
can’t recommend enough
Craig is just awesome
I recently had the opportunity to do business with Craig Mitchell at Cross Country Mortgage. I can’t say enough about Craig as he is awesome. Thanks a lot Craig for the great work during the entire process of buying my new home. Your commitment and knowledge to this process was outstanding. I know I had questions during this process but with your expertise and knowledge of the industry and your job, I was confident you would get the job done…and you always had a quick response to ALL my questions. I so appreciated that!
craig is such an amazing person
He made it so easy!
Craig was recommended to us by our old realtor. From our first conversation I knew I wanted to work with him.
Being a first time home buyer I had a million questions, all of them dumb. Craig took to time to answer each one and made sure I was clear with his explanations.
He made securing funding for my house the easiest part of my home buying process! I would recommend Craig to any body!
absolute joy to work with
Worked with Craig twice
I’ve worked with Craig twice and each time has been a great experience! Craig worked with me on my original loan for my first home purchase. Everything was swift and easy and it helped my realtor create a competitive package that helped me land my first home in the Bay Area. I recently just closed a refinance with Craig that helped me get an even better rate than my last loan! It was a great experience. My case was a bit more complicated but Craig made the whole thing very easy for me. It was great working with Craig and I would definitely work with him again!
More Praises About Craig.
can’t recommend enough
I highly recommend Craig. Craig is exceptionally quick in response, patient, and knowledgeable. As first time homeowners the buying process was intimidating. Craig assured that we were always receiving weekly updates on our home status and was very kind when answering any question regardless of complexity. He genuinely cares about his clients.
He gets back to you So quickly!
Craig was an absolute pleasure to work with when obtaining our home loan. We were originally recommended another loan originator however the other guy didn’t fully answer our questions and had us rethinking purchasing a home. After getting another recommendation from our realtor, we were put in contact with Craig. After the first contact with Craig we knew he was the one we could trust with all our home loan needs. As first time home buyer’s, he explained everything we needed to know. He gets back to you quickly when you have any questions and he works so efficiently we were even able to close early.
Craig is YOUR MAN!
If you’re in search of excellent concierge mortgage consultant(lender affiliated) services, Craig is YOUR MAN! Craig is outstandingly phenomenal! Detail oriented, intelligent, and patient he embodies all the important traits you will need and learn to value in pursuing any real estate transaction/s: initiative, interpersonal skills, while attentive to your request and needs. Craig not only educates, hears and takes questions-he listens and gives cohesive answers in an expedited fashion. He makes sure you’re taken care of! I am so happy to have a man within his field sharing his gift by way of connectiveness (family matters) working for and towards humanity-Priceless!
he made it very easy to understand
Craig Mitchell was very professional at all times. He kept us aware of everything that was happening during our loan process. If I had any questions he was always available to answer though we didn’t have to reach out to him very much because he is so attentive. This was our first home purchase. We didn’t know much about the process but he made it very easy to understand the things we had questions about. It was really nice to speak to Craig and understand not only what our options were but he also helped us understand what the best options were for our particular situation. We really enjoyed working with him and would highly recommend him to family and friends!
Why Work With Us
The CrossCountry Mortgage Difference
Innovative programs and strategies you need to get offers accepted in today's competitive house market.
Our Reputation Speaks For Itself
Plus Many More, 400+ More...
Very professional and knowledgeable loan officer. Craig is fantastic and outstanding man, he made the progress easy and painless.
Halim
Craig is the man. Very informative and helpful. He walked me through my first time buying a home and made it very easy for me. Will definitely be using him again in the future.
Zack Hudson
Craig was exceptional. Very professional, kind, and patient to answer all my questions, no matter how often, as a new homebuyer. He's the real deal!
alice lee
Connect with America’s Lending Experts today!
1-1 Introduction Consultation With Craig Mitchell
By the end of this call, you will have a clear understanding of the next steps that you need to take in the process of securing your new home.
Find a time on our calendar and I look forward to meeting you!
This Mortgage Consultation Is Perfect For:
First Time Homebuyers trying to figure out the best path of renting to owning.
Existing homeowners that want to buy a new home and figure out how to handle the timing and what to do with their current home.
Potential Homebuyers looking to get clarity on the housing market and advice on the best path to buying a home.
Existing homebuyers that already have talked to another lender but want a second opinion or better experience.
Homeowner’s looking to invest in Real Estate for investment or pleasure
Still Have Questions?
RELAX. WE HAVE YOU COVERED!
(512)-253-1673
Are there any first-time home buyer programs available?
Yes, their are multiple down payment assistance programs available through the state of California and through non profit agencies that can cover your entire down payment when buying a home. Once you fill out an application we will find out which programs you qualify for and we do all the necessary paperwork on your behalf to help you obtain the assistance.
What are your interest rates?
Interest rates change daily, we make sure that our rates are always lower then the major banks and credit unions so you can feel secure in knowing you are getting a great rate.
How much are closing costs?
Closing costs for most types of home loans range between 2 to 2.5 percent of the sales price. Closing Costs for down payment assistance programs tend to be a little higher depending on the program you choose. If you do not have money for closing costs that is ok. Many of our clients have the seller pay the closing costs as part of the negotiations.
What credit score do I need?
To qualify for down payment assistance and to buy a home with no money down a 600 credit score is needed. with a 580 credit score you need a down payment of 3.5 percent. with a 500 credit score you need a down payment of 10 percent.
How much do I qualify for?
Rough rule of Thumb is you can usually borrower around 4 to 5 times your annual income. so if your income is 100K a year, you will probably qualify for a loan amount between 400 to 500K.
Is now a good time to buy a house?
Home prices are determined by supply and demand just like everything else. California is currently needs an extra 1.2 million homes. Due to the shortage of homes for sale (we are currently at only 50 percent of normal) home prices are likely to continue rising over the next few years. Waiting to buy a home will result in higher home prices.
CrossCountry Mortgage,
LLC 2160 Superior Avenue, Cleveland, OH 44114
Cross Country Mortgage, LLC
NMLS 3029 and Craig Mitchell NMLS 286100
1981 N Broadway, Ste 275
Walnut Creek, CA 94596
To Apply:
916-84-3847
