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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 and his team are always a pleasure to work with. Whether it's on a personal deal or a client's, they make the process run smoothly. I highly recommend Vic and his expertise.
Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
Thank your for your review Andrea! It's an honoro working with you and Adam!
On top of things all along the way
Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
Thank you Rick your review is much appreciated sir!
Good communication, easy to get a hold of. Good knowledge of the market.
Provided good explanations of unfamiliar terms and concepts that go in to buying a home.
Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
Thank you for taking the time to leave this reivew Andrew!
Victor was very knowledgeable and was very helpful. He always took are calls and never made us feel rushed. He spent time with us and ran different scenarios to meet our needs. We would highly recommend him and will be using him in the future....
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Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
Anthony it was awesome working with you! Thank you for this review.
Great communication. Easy process.
Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
Thank you Caitlin!
Victor and his team made our cash out refinance as painless as possible. Beth and Monica were both quick to respond to any questions we had as well as help guide us through the process. I would definitely recommend Highlands Residential Mortgage....
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Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
Thank you Matthew! Our team is so appreciative for your business and kind words.
Victor was very personable right from our initial conversation. He made sure I understood the process, what would happen, who would be in contact with me etc.
Everyone that I spoke with was helpful, courteous and patient with me.
Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
Thank you Michelle! It was so nice to work with you and we're very happy to serve your loan.
Victor was friendly, knowledgeable, and attentive to all of our needs and questions. Went so far as to take calls and work on our behalf even in what was more than likely his off hours.
They were so wonderful during this process even while the market is going up Victor was able to lock us in with a decent interest rate while also making the process of buying my first home a pleasant time would highly recommend to anyone
Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
Thank you for taking the time for this review Albin! Your business is greatly appreciated.
Excellent communication and hard work!
Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
Thank you so much Alysha!
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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