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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
Thu
8:30 AM to 5 PM
Fri
8:30 AM to 5 PM
Sat
closed
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Reviews from Web
Vic was great with communication and educating us as first time homebuyers!
Reply from Victor Bals at CrossCountry Mortgag...
July 29th, 2026 05:32 PM
Claire, I'm glad to hear that you found the communication and educational support helpful as first-time homebuyers. It's nice to know I could assist you during this important process. If you have any more questions or need assistance in the...
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Thanks for taking great care of another of my buyer clients. Super smooth transaction. That's why I keep coming back for more.
Reply from Victor Bals at CrossCountry Mortgag...
July 29th, 2026 05:32 PM
Harold, I appreciate your continued trust and support. I'm glad to hear the transaction went smoothly, and I look forward to assisting more of your clients in the future.
From the beginning to the end Victor made everything easy.
Reply from Victor Bals at CrossCountry Mortgag...
July 29th, 2026 05:32 PM
I'm happy to hear that I could make the process easy for you, Tyler. If you ever have any more questions or need assistance in the future, please don't hesitate to reach out.
I felt overly rushed and sometime pressured to sign documents. Especially when the documents were not reflecting the correct numbers. i.e. showing that we were going to escrow the insurance and taxes when we did NOT want to escrow. We were...
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Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
Thank you for your feedback. Please feel free to connect with us to help us improve our services.
Subject line should be refreshed so the Subject still applies to the current email. I thought some of the fees seemed high.
Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
I am glad to receive your response. How can I better improve myself to a 5-star rating experience?
Victor and his team were very communicative, they provided information well, and explained things when necessary.
Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
Helping great customers like you is why I'm in this business. Thank you so much for your business and great feedback.
Personal attention to fine details
Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
I really appreciate the feedback and am looking forward to working with you again.
After our first attempt with a lender didn’t go so well and a newborn fast approaching. my wife and I felt we were at a dead end. We decided to get a second opinion on our situation. A family member recommended Victor to us and was the best...
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Reply from Victor Bals at CrossCountry Mortgag...
July 29th, 2026 05:33 PM
Kevin, I'm so glad to hear that I could assist you and your wife during such a crucial time. It's wonderful to know that our meeting provided clarity and helped you achieve your goal of becoming homeowners. If you ever have more questions or...
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Everything! This is our first experience buying a home and it has been great working with Victor. He handled everything in a very timely manner which we appreciate so much!
Reply from Victor Bals at CrossCountry Mortgag...
July 29th, 2026 05:34 PM
Shannon, I'm glad to hear that your first home buying experience has been great. I appreciate your kind words about my timely handling of everything. If you have any more questions or need assistance in the future, please don't hesitate to...
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Easy to work with
Reply from Victor Bals at CrossCountry Mortgag...
July 29th, 2026 05:34 PM
Emily, I appreciate your feedback. I'm glad you found the process easy when working with me. If you ever need further assistance, I'm here to help.
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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