Top 5%
Thomas Stearns at CrossCountry Mortgage
VP of Mortgage Lending | NMLS #134004
Western Michigan University
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 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
Tom and his team were awesome every step of the way. Every question I had was answered quickly and respectfully, which made the entire process feel much less stressful. As a first-time homebuyer using a VA loan, I was pleasantly surprised by...
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Reply from Owner
July 16th, 2026 02:34 PM
Thank you so much for your thoughtful review! It was truly a pleasure helping you through your first home purchase. We're so glad we could make your VA loan experience smooth and help show that the process doesn't have to be complicated. Thank...
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Alexia was amazing to work with when getting a loan as a first time home buyer!! I will keep my business here if I ever need another mortgage loan. She was super friendly, helpful, attentive and made the process easier than anything I could...
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Reply from Owner
July 2nd, 2026 03:05 PM
We are so glad that we could make your first home buying experience a smooth and positive one! Thank you for trusting us with this important milestone, and I'm always here if you ever need anything in the future.
Tom is great to work with. Very detailed and caring. He made the entire process of closing on our home extremely smooth and help expedite the underwriting due to the loss of my family home to a fire. I highly recommend.
Reply from Owner
June 1st, 2026 03:09 PM
Thank you so much for your kind words and recommendation! It was truly a pleasure helping you through the homebuying process. I'm glad we were able to make everything as smooth as possible during such a difficult time for you and your family....
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Had a wonderful experience with Tom. He was always available and would answer a phone call or text anytime of the day! Would recommend Tom and Cross Country Mortgage every time.
Reply from Owner
June 1st, 2026 03:16 PM
Thank you for the wonderful review! I truly appreciate your trust throughout the process. Communication is one of my top priorities, so I'm glad I was able to be available whenever you needed assistance. It was a pleasure helping you achieve...
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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...
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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...
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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...
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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...
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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...
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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...
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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...
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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...
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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
Adjustable-Rate Mortgages (ARMs)
Fixed-Rate Mortgages
Reverse Mortgages
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Education
- Western Michigan University
Positions
- Cross Country Mortgage - VP of Mortgage LendingJan 1st, 2025 - Current
Memberships
- Grand Haven Young Bucs Board Member
- Middle School Football Coach
- Rett Syndrome Research Trust
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Year Started
1998
Time Zone
Pacific Standard Time (PST)
Licenses
- 134004
Awards
Achievements
- Scotsman Top 1% Originator
- Top 1% Mortgage Executive Originator
- Certified MRP Instructor
Hobbies
- Coaching Football
- Professional Speaking
- Time with Family
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Disclaimer
CrossCountry Mortgage, LLC
2160 Superior Avenue, Cleveland, OH 44114
NMLS3029 | MB.803095