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Thomas Stearns at CrossCountry Mortgage

Name: Cross Country Mortgage
Address: 118 N 3rd St, Grand Haven, Michigan, 49417
Telephone: +1-616-460-1113
Rating: 4.93

VP of Mortgage Lending | NMLS #134004

4.93

(76)

Western Michigan University

Mortgage

Mortgage Loan Officer

Western Michigan University

Contact Info

(877) 773-1226

Grand Haven, MI

https://www.tomstearns.com/

Location & Business Hours

Friday

08:30 AM to 05:00 PM

Saturday

closed

Sunday

closed

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4.93

(76)

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Experience.com

4.81

(24)

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5.0

(18)

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5.0

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He is very knowledgeable. He explained everything in detail and made sure we understood everything that we needed to know taught us about escrow and how it works and explained all the math for us and looked for the best idea possible for us...

Reply from Thomas Stearns at CrossCountry Mort...

April 16th, 2026 06:09 PM

Thank you for this great review, Garry! We hope that you enjoy your new home! Let us know if there is anything that we can ever help with in the future! Congratulations!

My experience with Thomas was great. We are first time home buyers and many things we did not know. Thomas did not mine answering any questions that we had even if it was not in his department of expertise. He would always find the answers...

Reply from Thomas Stearns at CrossCountry Mort...

April 6th, 2026 05:18 PM

We appreciate your 5 star review, Carlesha! Congratulations on your new home! If you need anything, feel free to reach out to our team!

Everyone was easy to work with, great communicatin, quick responses, made the process simple and direct. A+ customer service and have already recommended you guys to a few patients, friends and family.

Reply from Thomas Stearns at CrossCountry Mort...

September 26th, 2025 06:29 PM

Thank you so much for this review, Matthew! We truly appreciate your recommendations to your patients, friends, and family! If you ever need anything else, don't hesitate to reach out. We enjoyed working with you and hope that you love your...

Fantastic experience! Tom made the entire loan process so easy. Everything was explained and anytime I had a question, he was always there to answer, and we got a fantastic rate with less cost to close than expected! Will stay with CC for any...

Reply from Owner

May 20th, 2026 02:22 PM

We're thrilled to hear you had such a fantastic experience working with us! We truly appreciate your trust in us and are so happy we could help you secure a great rate with lower closing costs than expected. Congratulations again, and we look...

Everythig was explained very thoughtfully and we really appreciated the level of service received. Totally undestand a lot of the delays were in underwriting which was a little frustrating to not know the cash to close amount until the afternoon...

Reply from Thomas Stearns at CrossCountry Mort...

May 18th, 2026 01:40 PM

Thank you so much for the kind words and for trusting us throughout the process! We’re glad to hear everything was explained thoughtfully and that you felt well taken care of along the way. We completely understand how frustrating the underwriting...

His excitement

Reply from Thomas Stearns at CrossCountry Mort...

May 18th, 2026 01:40 PM

Thank you for the 5 star review, David!

Paperwork was super easy. Tom was always on point with explaining the process and making sure we got the best rate. Everything was fantastic, and way easier than I thought it would be. My only complaint was at closing we didn't get payment...

Reply from Thomas Stearns at CrossCountry Mort...

May 18th, 2026 01:41 PM

Thank you so much for the great review! We’re thrilled to hear the process felt easy and straightforward, and that Tom was able to guide you every step of the way while helping secure the best rate possible. We also appreciate the feedback...

Tom was amazing to work with throughout the whole process. He was very knowledgeable, loved taking the time to explain things to us, and always made us feel comfortable and supported every step of the way. You can tell he genuinely cares about...

Reply from Owner

May 11th, 2026 02:34 PM

Thank you so much! We're glad to hear that you had a positive experience working with our team. Thank you for trusting us, we're grateful to have been part of such an important milestone!

Reply from Thomas Stearns at CrossCountry Mort...

May 11th, 2026 02:35 PM

Thank you for this great review! We appreciate you. Congratulations again, on the new house!

It is hard to give such a poor evaluation and I do believe our experience was an exception to the norm. We really had a hard time keeping consistent contact and keeping up with all the paperwork. This may be our age but a face to face meeting...

Reply from Thomas Stearns

May 5th, 2026 01:52 PM

Thank you for your feedback. We take concerns like this seriously, but we do want to clarify a few important points.We did meet with you in person during the process, as requested, to review your loan and answer questions face-to-face. Our...

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About

Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Grand Haven, MI. 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 #134004 | Branch NMLS #2811335

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