Tom O'Neill at CrossCountry Mortgage
SVP of Mortgage Lending | NMLS #2310527
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Wilmington, NC. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner consid... Show More
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Tom is fantastic to work with. He is always accessible even when we as realtors call him all hours of the day, seven days a week. He is a true pleasure to work with.
Reply from Tom O'Neill at CrossCountry Mortgag...
September 7th, 2026 08:00 PM
Gail, I appreciate your kind words. I'm happy to be accessible and supportive whenever needed. It's great to hear that working together has been a positive experience.
Tom was the LO for my out of state buyers for a second home at OKI. He kept everyone updated with what they needed to know, when they needed to know. It was a great experience for my clients. It had been 30+ years since they bought their primary...
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Reply from Tom O'Neill at CrossCountry Mortgag...
September 7th, 2026 05:29 PM
Mark, I'm grateful for your feedback. It's good to know that I was able to support your clients effectively during their home-buying process at OKI. I'm always happy to help with any questions or concerns, especially when it's been a while...
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Tom is very knowledgeable and professional. He worked diligently to keep the transaction together making it a smooth process for everyone.
Reply from Tom O'Neill at CrossCountry Mortgag...
September 7th, 2026 05:23 PM
Tina, I'm pleased to hear that my knowledge and professionalism contributed to a smooth transaction. Thank you for sharing your experience.
I’ve worked with Tom for over 7 years and he is the best. I can always count on him to treat my clients with the utmost respect and work till midnight if needed to get to closing on time. He responds to my clients immediately and finds the...
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Reply from Tom O'Neill at CrossCountry Mortgag...
September 4th, 2026 07:59 PM
Jamet, I'm grateful for your continued trust and support over the years. It's wonderful to hear that my efforts to provide timely and respectful service have positively impacted both you and your clients. Thank you for your kind recommendation!...
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Tom has been in the Real Estate business probably longer than I’ve been alive. Lol. Very knowledgeable, very friendly, very professional gnosis stuff. In this business all that matters. Have referred him to several clients. Haven’t had any...
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Reply from Tom O'Neill at CrossCountry Mortgag...
September 4th, 2026 07:31 PM
Nicholas, I appreciate your kind words and trust in my services. It's great to know that my experience and communication have made a positive impact for you and your clients. Thank you for the referrals and support!
I have had the pleasure of working with Tom for many years. His professionalism is top notch. He treats every one of our clients regardless of price point like a rock star. His ethics are on point and the job gets done on time or ahead of schedule....
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Reply from Tom O'Neill at CrossCountry Mortgag...
September 4th, 2026 07:26 PM
Thank you, Lisa, for sharing your experiences and trust in my services. I'm pleased to hear that my approach aligns with your values and needs as a Realtor. Building a strong and honest working relationship is important to me, and I look forward...
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Tom is my go-to mortgage broker and someone I highly recommend. He is a great communicator, extremely professional and always reliable throughout the entire process. My clients have consistently been very pleased with their experience working...
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Reply from Tom O'Neill at CrossCountry Mortgag...
September 4th, 2026 07:21 PM
Thank you, Will, for your strong recommendation and kind words. I'm pleased to know that both you and your clients have had positive experiences with my services. It's important to me to be a reliable and professional mortgage partner for you...
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Tom is the best! As a real estate agent I rely on Tom to help my clients navigate the loan process. He takes care of every client and I highly recommend him!
Reply from Tom O'Neill at CrossCountry Mortgag...
September 4th, 2026 07:20 PM
Thank you so much for your recommendation, Wendi. I'm glad to hear that you and your clients have had positive experiences working with me. It's important to me to provide reliable support throughout the loan process.
Tom is amazing!!!! I have worked with him several times and he is fantastic at what he does. He gets the best deals, has the best customer service and makes the process so easy and stress free. I highly recommend him.
Reply from Tom O'Neill at CrossCountry Mortgag...
September 4th, 2026 07:16 PM
I'm grateful for your kind words, Christine. It's wonderful to know that you've had such positive experiences working with me. I strive to make the process as smooth and stress-free as possible, and I'm glad I could help secure great deals...
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Tom is the only lender I put my buyers with and the only lender I trust with my own purchase. He’s one of the few who have worked both as an agent and as a lender so he understands all sides. And, he’s genuinely wonderful to work with. I never...
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Reply from Tom O'Neill at CrossCountry Mortgag...
September 4th, 2026 07:15 PM
Thank you so much for your trust and kind words, Casey. I'm grateful to have earned your confidence both for your buyers and your own purchase. It's important to me to provide a comprehensive understanding of the process, and I'm pleased that...
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About
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Wilmington, NC. 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 #2310527 | Branch NMLS #2076730
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Conventional Home Loan
Specialities
Conventional Loan
VA Loan
Jumbo Loan
Fixed Rate Mortgage
Adjustable Rate Mortgage
FHA Loan
USDA Home Loan
FHA 203k Limited Refinance
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Year Started
2003
Time Zone
Eastern Standard Time (EST)
Licenses
- 2310527
Disclaimer
CrossCountry Mortgage, LLC
2160 Superior Avenue, Cleveland, OH 44114
NMLS3029 | MB.803095