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Victor Bals at CrossCountry Mortgage
Senior Loan Officer | NMLS #162273
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Howell, 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 considerin... Show More
Location & Business Hours
Business Hours
Wed
8:30 AM to 5 PM
Thu
8:30 AM to 5 PM
Fri
8:30 AM to 5 PM
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Reviews from Web
Vics team was always really good about communicating what they meed and why they needed it. Made the process easier to understand
Reply from Victor Bals at CrossCountry Mortgag...
July 29th, 2026 05:27 PM
Chase, I'm glad to hear that my team was able to communicate effectively and make the process easier for you to understand. If you have any more questions or need further assistance, please feel free to reach out.
Vic was very prompt in terms of communication and did everything possible to move the process along as quickly as possible. He also did a very good job of providing valuable and helpful information.
Reply from Victor Bals at CrossCountry Mortgag...
July 29th, 2026 05:28 PM
Mark, I'm glad to hear that you found my communication prompt and the information I provided helpful. It's great to know that I could assist in moving the process along quickly for you. If you have any further questions or need assistance in...
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Vic was able to communicate in simple terms and ideas. Willing to go above and beyond.
Reply from Victor Bals at CrossCountry Mortgag...
July 29th, 2026 05:30 PM
Brandon, I'm glad to hear that my communication style was helpful for you. It's nice to know that my efforts to go above and beyond made a positive impact. If there's anything else you need in the future, feel free to reach out.
Communication was good and explanation of process
Reply from Victor Bals at CrossCountry Mortgag...
July 29th, 2026 05:30 PM
Kristen, I'm glad to hear that you found the communication and explanation of the process helpful. If you have any more questions or need assistance in the future, please don't hesitate to reach out.
Vic and Beth were great to work with! They were able to explain everything in simple yet detailed terms. Very upbeat positive people!
Reply from Victor Bals at CrossCountry Mortgag...
July 29th, 2026 05:31 PM
Brandon, I'm glad to hear that you had a good experience working with Beth and me. It's nice to know that our explanations were clear and helpful. If you have any more questions or need further assistance, feel free to reach out.
Victor and his team where great to work with and kept everyone updated to the progress of the loan. Highly recommend Victor.
Reply from Victor Bals at CrossCountry Mortgag...
July 29th, 2026 05:30 PM
Nancy, I appreciate your kind words and recommendation. It's good to know that you found working with my team and me to be a positive experience. If there's anything else you need in the future, please feel free to reach out.
Vic and team were able to get us closed very quickly!
Reply from Victor Bals at CrossCountry Mortgag...
July 29th, 2026 05:31 PM
I'm glad to hear that my team and I were able to help you close quickly, Michelle. If there's anything else you need or any questions you have, please don't hesitate to reach out.
Communication was clear and the staff was friendly.
Reply from Victor Bals at CrossCountry Mortgag...
July 29th, 2026 05:31 PM
Lindsey, I appreciate your feedback about the clear communication and friendly staff. It's great to know you had a positive experience with us. If you need any further assistance, please feel free to reach out.
Good advice, answered questions, was willing to adjust to my budget
Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
Thank you for sharing your experience, Kyle. We are pleased to hear that Victor Bals of USA Mortgage was able to provide you with the necessary advice and answers to your questions, while also remaining adaptable to your budget requirements....
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Overly complicated, repeat requests for information, lack of attention to details, but Beth O'Hara is/was very good.
Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
Thank you for taking the time to share your feedback. Please accept our sincerest apologies on your recent experience. Your feedback will be used as an opportunity to improve our services in the future.
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About
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Howell, 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 #162273 | Branch NMLS #2806310
Products & Services
Mortgage Lender
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Reverse Mortgage
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Memberships
- CMA Certified Mortgage Advisor MBS Highway
- MBA Mortgage Brokers Association
- LARA Livingston County Association of Realtors
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2002
Time Zone
Pacific Standard Time (PST)
Licenses
- 162273
Awards
Top Producer 1% in...
Achievements
- Was to create the means to have my wife be a stay ayt home mom for my kids.
Hobbies
- Yard Work
- Playing Guitar
- Song Writing
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Disclaimer
CrossCountry Mortgage, LLC
2160 Superior Avenue, Cleveland, OH 44114
NMLS3029 | MB.803095