Samuel McMullen
YOUR LOCAL LENDER
CrossCountry Mortgage
About Sam
With more than 10 years of experience, in the industry I am committed to exceeding your expectations and getting your loan closed, ON TIME. I believe in over-communication to the client and both agents to ensure a seamless process and I look forward to helping you with your home financing needs.
Currently serving the states of Colorado, California and Idaho
I pride myself on transparency and exceptional customer service
Relationship
My goal is to be your lender for life. I care about every loan as if it was my own. What matters to you matters to me
One Stop Shop
Our mortgage process
keeps everything under one roof (Processing, Underwriting and Funding)
Over Communication
It's one of the easiest tools to use but when not used properly can cost us all time and money.
The 21 Day Close
We can close most loans in as few as 21 days! Learn about the 5 step process for our program here.
Mortgage Minute
( Coming Soon)
Testimonials
“Sam was willing to work with us on a Saturday night in order to help us get an offer in on the house we wanted! “Who does this on a Saturday night?” I asked our realtor? Sam does! Very efficient, professional, knowledgeable and great personality is what we got with Sam! Top notch! Seriously I will never go through my regular bank again for our loan needs. This was the best experience we’ve ever had! Thanks Sam for all your help!”
Jennifer T.
“We highly recommend Sam. He was an open book, prompt, and thorough. He was there for us every step of the way and was extremely accommodating. We will definitely use his services again in the future.”
Mario M.
“I never knew how big of a difference a good lender could make until I was referred to Sam McMullen and Gavin’s team at Cross Country Mortgage. The communication and follow up throughout was excellent, but I was even more impressed with their availability. I expected to leave messages at times, but they always answered the phone or responded to emails in a timely fashion - no matter if it was day or night. They even answered my call over a holiday weekend!! I felt bad for the buyers on the other side of the closing table who experienced multiple delays and excuses from their mortgage company. I had a vastly different experience with Cross Country and I can’t thank them enough for making the process as simple and as painless as possible. Sam and Nessa understand what it takes to provide quality customer service. Thank you!”
Darren C.
“I just bought my first official home and Gavin and his team couldn’t have made this experience any better! I worked with Sam and at our closing I probably hugged him 10xs. They have really helped us a lot and never sugarcoated it which is something I greatly appreciated.”
Dianna A.
Blog
‘Tis the season for cold weather maintenance.
Communication is one of the most important aspects of the home loan experience. Learn why regular contact with your loan officer is imperative to homebuying success.
Maybe it started as a little daydream after you flipped through the latest issue of your favorite home décor magazine. The thought of those gorgeous green soapstone countertops in your kitchen just wouldn’t go away. Then you found yourself showing the spread to your spouse with a wistful sigh, saying, “Wouldn’t that look amazing?” Before you know it, you’re both talking excitedly about new ideas for a dream kitchen. This is the moment of conception for your home renovation, and it’s full of possibility and promise. But this conversation of the future has to return to the present day before spinning out of reality’s orbit. As with any big life decision, it’s important that you first undergo a thorough reality check to make sure it’s the right big life decision. When it comes to home renovations, the reality check takes the form of a sensible budget.
Mortgages are not one size fits all. Several home financing programs are available to suit your specific situation
HousingWire reported on Sunday that the Federal Reserve made its second emergency cut in two weeks, slashing 1% off its benchmark rate. The Fed also renewed a program to buy Treasuries and mortgage bonds in an effort to bolster the economy as the coronavirus that causes COVID-19 spreads in the U.S. Many consumers assume mortgage rates mirror the Fed rate. In an extensive article posted soon after Sunday’s cut, Mortgage News Daily’s Chief Operating Officer Matthew Graham explained why this is NOT the case. I encourage you to read the entire article for the complete details, but here are the primary takeaways: The Fed did not just cut mortgage rates. Mortgage rates often move in the opposite direction as a Fed rate cut/hike and did exactly that at the end of last week. You may be able to get a lower rate at some point in the coming weeks, thanks to the Fed’s reinvigorated mortgage bond buying efforts. Make sure your originator has what they need from you in order to lock when and if your desired rate becomes available. Speaking to that last point, the best approach for now is to make a game plan. Let's connect today so you’re ready to seize the moment and get the lowest rate possible on a new home purchase or refinance. Just know that rate is NOT near zero right now, even though the Fed’s rate is.
