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Josh Osborne at CrossCountry Mortgage
Regional Vice President | NMLS #473258

Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Sioux Falls, SD. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner consi... Show More
Location & Business Hours
Business Hours
Tues
8:30 AM to 5 PM
Wed
8:30 AM to 5 PM
Thu
8:30 AM to 5 PM(Open now)
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Reviews from Web
Josh and his team went the extra mile for us. I have never seen a company work so hard for their customers. It was like they understood what we needed every step of the way!
Reply from Josh Osborne
July 10th, 2026 02:48 PM
Carmen,
We are so glad you felt this way throughout this process. We always try to provide the best experience for every one of our clients! If you ever need anything, do not hesitate to reach out! We are your mortgage advisors for life.
My wife and I started our house search with another local lender and had a less than ideal experience. Someone recommended Josh to us and we were truly blown away by the difference. He was very thorough, knowledgable, and always responsive...
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Reply from Josh Osborne - CrossCountry Mortgag...
July 3rd, 2026 03:54 AM
Thank you, Thad, for sharing your experience and for recommending Josh. We're thrilled he made such a positive difference and provided the thorough, knowledgeable, and responsive service you needed. We’ll pass your praise along to him. If you...
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My wife and I started our house search with another local lender and had a less than ideal experience. Someone recommended Josh to us and we were truly blown away by the difference. He was very thorough, knowledgable, and always responsive...
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Reply from Owner
July 10th, 2026 12:00 AM
We are so glad we were able to help you in your homebuying process! If you ever need any help in the future, we are here for you!!
Very easy to work with and is on the ball with everything! Would recommend to anyone!!
Reply from Josh Osborne - CrossCountry Mortgag...
July 1st, 2026 02:23 PM
Thank you so much, Tina. We're thrilled you found us easy to work with and on the ball with everything. We appreciate your recommendation and look forward to helping you or anyone you refer in the future.
Knows his stuff!! So easy to work with and his team is great too. Would recommend him to anyone! Him and his team made buying our house super easy and care free.
Reply from Owner
July 10th, 2026 12:00 AM
Tina, it was so nice getting to work with you. Our team always tries to make this process easy and fun! We are so glad you had that experience!
Josh was great during our first time buying a house. Answered all our questions and was very informative!
Reply from Josh Osborne
June 29th, 2026 01:34 PM
Thank you so much for the wonderful review! It was an honor to help you with your first home purchase. Buying your first home comes with a lot of questions, and I'm glad I could provide the guidance and information you needed to feel confident...
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Josh and his team at CrossCountry Mortgage were absolutely fantastic to work with. They made the entire process smooth, stress-free, and easy to understand. Everyone was responsive, professional, and truly went above and beyond to help every...
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Reply from Josh Osborne
June 29th, 2026 01:30 PM
Thanks so much for your thoughtful review! It was truly a pleasure helping you through the home financing process. My team and I work hard to make what can feel like a complicated process as smooth, stress-free, and easy to understand as possible,...
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Josh and his team made everything go very smooth. For us it seemed super simple because he made the whole process from beginning to end so easy. They have taken something very complex and made it streamlined and user friendly. Josh and his...
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Reply from Josh Osborne
June 29th, 2026 01:21 PM
Thank you so much for the kind words! It was truly a pleasure helping you through the home financing process. Our goal is to make something that can feel overwhelming as simple and stress-free as possible, so I'm glad you felt that every step...
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Josh was great during our first time buying a house. Answered all our questions and was very informative! Have already recommended to many other first time home buyers I know
Reply from Owner
June 29th, 2026 12:00 AM
Thank you so much for the wonderful review! It was an honor to help you with your first home purchase. Buying your first home comes with a lot of questions, and I'm glad I could provide the guidance and information you needed to feel confident...
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Made the process a breeze, especially as this was our first time buying a home
Reply from Josh Osborne
June 25th, 2026 07:35 PM
I'm happy to hear that the process felt easy for you, Natasha, especially as a first-time homebuyer. It was a pleasure to assist you through this important milestone. If you have any more questions or need my help in the future, please feel...
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About
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Sioux Falls, SD. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner considering a refinance, I provide a selection of mortgage loan options to fit your goals. FHA loans, VA loans, conventional loans, and jumbo mortgages are just a few I offer to help you navigate home financing with confidence. From application to closing, I’ll give you a transparent process with clear communication and expert advice every step of the way. Together, we’ll bring your homeownership dreams to life. NMLS #473258 | Branch NMLS #1922540
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Specialities
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Adjustable-Rate Mortgages (ARMs)
Fixed-Rate Mortgages
Reverse Mortgages
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Memberships
- Home Builders Association
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2010
Time Zone
Central Standard Time (CST)
Licenses
- 473258
Gallery

Achievements
- Sioux Empire Housing Mortgage Lender of the Year
- 2020 Top 1% Mortgage Lender in the Nation
- 2021 Top 1% Mortgage Lender in the Nation
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Hobbies
- Boating
- Working out
- Water Sports
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Disclaimer
CrossCountry Mortgage, LLC
2160 Superior Avenue, Cleveland, OH 44114
NMLS3029 | MB.803095