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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
Wed
8:30 AM to 5 PM
Thu
8:30 AM to 5 PM(Open now)
Fri
8:30 AM to 5 PM
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Reviews from Web
Ive worked with Josh a number of times and each time I never get let down, if anything he seems to amaze me from one deal to the next. His professionalism is top notch, he is a great communicator, very personable and friendly, and best of all...
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Reply from Josh Osborne
December 11th, 2025 03:13 PM
I really appreciate the feedback and am looking forward to working with you again.
Very quick! Josh was great at communication and making the home buying process a breeze!
Reply from Josh Osborne
December 10th, 2025 09:16 PM
I'm pleased to know that you found the home buying process smooth and efficient, Logan. Communication is key, and I'm glad it contributed positively to your experience. Should you have any more questions or need assistance in the future, I'm...
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Excellent communication!
Reply from Josh Osborne
December 10th, 2025 09:03 PM
I really appreciate the feedback and am looking forward to working with you again.
This was my first time buying a home. You and your team made the whole experience positive. Not stressful or any hassles. Thank you all so much for sharing such a great experience with me. And for answering any questions I had.
Reply from Josh Osborne
December 9th, 2025 05:22 PM
It's wonderful to hear that your first home-buying experience was positive, Amy. I'm glad I could help make it as stress-free and straightforward as possible. It was a pleasure answering your questions and assisting you throughout the process....
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Josh and Whole Staff, Excellent to work with and got any arising issues handled promptly. We have used Josh for refinancing for better rates and 2 home loans and he has always done great for us. Back in the good days he even got us under 3%...
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Reply from Josh Osborne
December 1st, 2025 05:05 PM
Thank you both so much for the kind words; it truly means a lot. We appreciate your trust through each refinance and home loan over the years. Helping your family secure great pricing and smooth transactions is exactly why we do what we do,...
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Timely communication, closing on time day of closing.
Reply from Josh Osborne
November 24th, 2025 04:28 AM
Thank you for taking the time to leave a review. I enjoyed working with you and I’m glad we were able to communicate clearly and close right on schedule. I always strive to deliver a five-star experience for both clients and agents, so if you...
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thing that makes Josh and his entire team awesome is they are always available and if they're not, they contact you quickly they are also proactive and professional.
Reply from Josh Osborne
November 24th, 2025 04:28 AM
Thank you so much for the kind words! I really appreciate you taking the time to share your experience. My team and I work hard to stay proactive, communicate quickly, and make the process as smooth as possible. We’re grateful for the opportunity...
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The home buying process went extremely smooth thanks to Josh. He kept us well informed and provided information easily. Definitely recommend!
Reply from Josh Osborne - CrossCountry Mortgag...
November 24th, 2025 04:29 AM
Thank you so much for the great review! I’m really glad to hear the process felt smooth and that the updates and information were helpful along the way. It was a pleasure helping you through your home purchase, and if you ever need anything...
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Josh was a great help, we had a smooth process and he kept us well informed through it all. Everything was completed in a timely manner, and information was provided easily. Can't recommend enough!
Reply from Owner
November 30th, 2025 12:00 AM
Thank you so much for the kind words. I’m really glad the process felt smooth and stress-free for you. My team and I work hard to keep everything moving on time and make sure you always know what’s coming next. We truly appreciate the recommendation...
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Great experience, communication, transparency, knowledgeable, made being a first time homebuyer a great experience !
Reply from Josh Osborne - CrossCountry Mortgag...
November 22nd, 2025 12:24 AM
Thanks so much for the kind words! I’m really glad we could make the process smooth and stress-free for you as a first-time homebuyer. If you ever need anything down the road—or know someone else starting their home search—I’m always here to...
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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