Why Cross Mortgage?

Cross mortgage has a unique and interesting business model of offering low-volume, high-quality work and knowing what you need in order for you to properly service your valued clients. We work exclusively with financial and real estate industry professionals. These include banks, financial planners, insurance agents, real estate agents, employee benefits specialists, builders and attorneys. Cross does not offer its services to the general public. This unique model enables us to focus our efforts on getting the loan done right, which is what our professionals partners demand.

There are many companies that purport to offer lending related services to consumers and business owners, but none work exclusively with financial services and real estate professionals. Prior to our inception, a comprehensive survey was conducted among many in these industries and we found the major concerns that this audience had in working with mortgage lenders included:

• Lack of experience
• Not honoring quotes
• Rate lock expirations
• Rejection of qualified customers
• Recommending the wrong types of mortgages
• Lack of concern for the reputation of the referral sources
• Fear of losing the client to the referral source

Banks for instance reject quite a few borrowers because of stringent lending requirements. When they do accept a borrower, the rate offered is frequently not very competitive. This can aggravate the customer with the bank and potentially with you because you referred them. In addition, the financial industry has been diversifying into investments, insurances, and tax services. You might refer a client to a bank and have them not return, creating a very uncomfortable referral situation.

Mortgage brokers are notorious for promising much and delivering little. The real estate boom over the past number of years has attracted many to the highly profitable mortgage industry. Unfortunately, there are no licensing or educational requirements to become a loan originator in Massachusetts. As a result, few mortgage brokers possess adequate experience, which can lead to the serious problems listed above.

How many times in the past months or years have you referred your clients to a certain bank or broker only to have the situation come back and embarrass you?  Poor service, non-competitive interest rates, closing costs far higher than originally quoted, rate-lock expirations, and more are some of the nightmares that we aggressively demand be kept out of our business and out of your way.

Qualified and Experienced

Cross Mortgage has very unique qualities. We offer our customers competitive rates and quality service. Our reputation is on the line every time we receive a referral. In addition to having a well seasoned management team, we work closely with our referral sources in an effort to make sure the type of loan recommended is in the long term best interest of the clients. We offer no other financial products or services and therefore, we have no conflicts of interest.

We are "The Professional's Choice"

We do not work with the general public.  Rather, we work exclusively with financial professionals whose reputation is on the line whenever they make a referral. We have the experience, dedication, and most importantly the wisdom to do what we do best... make you look good to your clients and help you keep them close.