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Cross Country Mortgage
Celina Marquez


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About the company

At CrossCountry Mortgage, we’ve been helping people get home since the very beginning.
On an icy, blustery winter night in our first year, our CEO and a colleague were headed to a meeting with a hopeful entrepreneur in search of a property loan. On the way, they spotted an elderly couple whose car had swerved off the road and was stuck in the snow.

Even though they were in their suits and dress shoes, they stopped to help. Their appointment was important, but this was more important. Together, they pushed the car out of the snowbank, returning the couple to the safety and comfort of their home. Then they proceeded to the meeting to provide support and service to a new customer, who remains a successful entrepreneur to this day.

Helping the couple get safely home and the customer achieve his dreams set the foundation for our company. By caring for everyone we encounter like family, we’re able to truly serve our communities with kindness and forge lifelong relationships with people like you.

Our Vision — Then and Now
CrossCountry Mortgage began solely as a mortgage broker in Cleveland, Ohio in 2003. Our President and CEO Ronald J. Leonhardt, Jr. had the vision to become a nationwide full-service lender that could provide more to customers — match them up with the perfect mortgage to suit their needs, provide knowledge and support every step of the way, and make their homeownership dreams possible and affordable.

Through superior customer service and a full range of loan products and programs, we’ve been able to achieve that vision and build upon it by helping more people each year buy homes from coast to coast. We’re continuing to expand our nationwide footprint, and we’re not stopping any time soon.

Today, we have headquarters in Brecksville, Ohio and branch offices across the country. We have been a Freddie Mac, Fannie Mae and Ginnie Mae Approved Seller/Servicer since 2012 and have greatly expanded our mortgage-based solutions into a wide portfolio of home purchase, refinance, and home equity products. We are licensed in all 50 states and have earned a number of awards and accolades along the way:

  • Smart Culture Award, Smart Business: 2022
  • Best Workplace, NorthCoast 99: 2021 (5 times since 2016)
  • Inc. 5000 List of America’s Fastest Growing Companies: 2021 (8 times since 2012)
  • Top Workplaces, The Plain Dealer & 2021 (5th consecutive year)
  • Home Possible RISE Award®, Freddie Mac: 2020-2021
  • Top Workplace, Weatherhead: 2016-2020
  • Top 10 Best Lender, 2019
  • Q2 Top 3 Mortgage Rates, 2019
  • Sales & Growth, Weatherhead Centurion: 2018-2019
  • Entrepreneur of the Year, Ernst & Young: 2018
  • Top Company Culture, Entrepreneur magazine: 2018
  • Customer Service Award, Smart Business magazine: 2017

Our team is dedicated to making the mortgage process easy, stress-free and rewarding. Our culture is based on honesty, humility, integrity, and service — whether you’re stuck in the snow on a cold winter night or seeking to achieve the American dream of homeownership.

Our Mission and Goal
Our mission is simple: to provide you with the best possible advice and benefit to your financial needs while facilitating a straightforward, transparent mortgage process for buyers, sellers and realtors.

Our goal is to be recognized as the leading and most reputable mortgage company in the nation. We begin that process by earning your trust through knowledge and communication. You are our first priority and we pride ourselves on developing rewarding, long-term customer relationships. We can close your housing loan quickly and help you save money because we empower our loan officers with advanced mortgage technology that enhances their customer service and industry expertise.

Experience the CrossCountry Mortgage Difference
Navigating the mortgage loan process is exciting and easy with the right home financing partner. When you work with us, you’ll collaborate closely with a licensed professional who is crazy good at making sure you receive a competitive rate and an exceptionally fast and simple housing loan experience.

When it’s all said and done, we strive to be your mortgage lender of choice for years to come, wherever life takes you. Our loan officers, branch managers and support staff are always available to assist you from application to closing and beyond. Anytime you need a property loan, or even if you just need a helping hand out of a snowbank, we’ll be there for you.


Buying a Home

  • Refinance
    • Lowering Your Interest Rate
    • Modifying the Term of Your Loan
    • Debt Consolidation
    • Predictability
    • Mortgage Consolidation
    • Free Up Cash

There are many different refinance programs to consider:

  • Conventional Loans
  • VA Interest Rate Reduction
  • Refinance Loan
  • FHA 203(k) Refinance
  • FHA Streamline Refinance
  • USDA Rural Streamline Refinance


FHA Loan: Low down payments, easier credit requirements, and competitive rates insured by the Federal Housing Authority.

VA Loan: Available to active duty service members, Reserves/Guard, unmarried surviving spouses, and veterans.

Fixed Rate Mortgage: Ensure your monthly payments remain the same throughout the lifetime of your loan.

Jumbo Loan: Non-conforming loans above $510k, which exceed the loan limits of Fannie and Freddie.

Down Payment Assistance: Programs vary by location, but an experienced Loan Officer can walk you through the qualifying process and DPA options in your area.

Reverse Mortgage: An FHA-insured mortgage that allows you to access the full equity built up inyour home.

Adjustable Rate Mortgage(ARM): A lower initial rate is fixed for a period of time and then increases at predetermined intervals.

USDA: No money down, low fixed rates, and 100% financing to qualified buyers on properties within eligible rural areas.


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