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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
Constant communication from the entire team
Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
Jerry I'm glad you feel so. This is huge during a real estate transaction. Thanks for the review!
Vic was great! Who gave great advice and was always available. The overall experience was just Ok, because of the following:1. It’s not clear the roles of various people constantly asking for documentation. 2. The various people asking for...
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Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
Thank you for your reveiw Daniel. We will take your feedback into consideration to help improve our processes. We truly appreciate your business and hope to serve you again!
Vic makes sure the whole transaction is a smooth process.
Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
Joseph we're happy you approve. Our goal is to leave no stone left unturned. Thank you for allowing my team to assist in your transaction!
Great response time, helpful with questions and concerns, personable man
Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
Thank you for your awesome review Peter! It was great being able to assist with your transaction.
I have done business with Victor over the pass 17 years and his level of service and communication surpasses any other lender I have done business with. He is the best!
Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
Nancy, we are so appreciative of your business and friendship! Thank you for this awesome review. The same goes back to you Nancy.
Being a first time home owner, Victor pointed us in the right direction and provided us with all the necessary information and made is easy to understand.
Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
Thank you for taking the time for this review Rory! We're so happy we were able to help with your first home purchase.
The efficiency of you and your staff are amazing. Things get done on time and correctly. I would recommend Highlands mortgage to family and friends.
Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
Brenda it was so nice working with you! Thank you for your review.
Victor and his team are professionals who get the job done efficiently and effectively!
Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
Kelly thank you for such a great review! We're so happy we met your expectations.
Communication and speed.
Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
It was great working with you Joey!
Vic made the process so easy! As first time home buyers, he explained everything to us and answered every question we had. His communication was impeccable. I can't recommend him enough!
Reply from Vic Bals at CrossCountry Mortgage
January 7th, 2026 04:10 PM
Thank you for this nice review Jordyn!
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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