Business Page
Chad Baker Team
Lender
5.0 stars
24 Reviews
Markets served
Nationwide
Except the following states:
New York
Licenses
Company NMLS
#329451
Additional info available at the
NMLS consumer access website
Additional Licenses & Information
CrossCountry Mortgage, LLC is registered with Nationwide Mortgage Licensing System (NMLS) Identification No. 3029
About us
If you’re an investor looking for creative, flexible financing solutions that work for your specific situation, you need a lender who understands Non-QM lending inside and out. Let’s connect and discuss how I can help you secure the funding you need to grow your portfolio. What Sets Us Apart? ✅ The Industry Leader in Non-QM Lending CrossCountry Mortgage (CCM) is the largest retail mortgage lender in the Non-QM space—closing more Non-QM loans than any other lender. ✅ Better Pricing & Flexible Guidelines CCM is directly involved in the securitization of Non-QM loans through an exclusive partnerships. Unlike traditional mortgage banks and brokers that must sell their Non-QM loans to secondary market investors, CCM participates in securitizations in-house. This gives us greater flexibility in underwriting, allowing us to approve loans that other lenders simply can't. ✅ More Approvals, More Loan Options Over 30% of Non-QM loans at CCM are approved outside standard guidelines—thanks to our unique ability to grant guideline exceptions. This includes: ✔️ Lower credit scores than standard guidelines allow ✔️ Higher loan-to-value ratios and increased cash-out options ✔️ Reduced reserve and down payment requirements ✔️ No-ratio DSCR loans for real estate investors ✔️ Perform multiple transactions at the same time
Specialties
Hard/Private/Non-QM
Home Equity (investment)
DSCR (long-term rental)
DSCR (short-term rental)
Rehab for Buy & Hold
Balance Sheet Loan
Bridge Loan
Foreign National Loan
Refinance (investment)
Reviews (24)
5.0 stars
24 Reviews
5.0 stars
24 Reviews
0.0 star
0 Reviews
5.0 stars
2 years ago
Reviewed by
Alex Melendrez
My wife and I worked with the Chad Baker Group on an investment property, and they were fantastic. Michael Sousa, the escrow team, and everyone at Chad Baker were professional and made the transaction go seamlessly. Thank you guys for your hard work and for taking care of us!!
5.0 stars
5 years ago
Reviewed by
Michelle Dudzik
Chad Baker's team at Crosscountry were phenominal to work with. We recently refinanced our home through them and not only got a great rate but were well assisted through everything with their team. Chad was very punctual in getting back to e-mails and phone calls even on the weekend! We could definitely tell he knew what he was doing throughout the whole process. Thank you for your help with our refinancing!
5.0 stars
5 years ago
Reviewed by
Chris Dudzik
Thank you Chad Baker, Toni McGraw and Team over at Cross Country Mortgage!!! You guys rock. Not only did we close in time on the loan but the rate we got was better than anything around. The Chad Baker Team works for you and is on your side. Whenever I would send an email or leave a message, I would get a response within the hour if not within minutes of sending, I was shocked by how quick of a response I would get....much faster that what was expected by far!!!!! The Chad Baker Team helped me close on my initial loan when I purchased back in 2015 and now helped during the refinance. If anyone every asks, I know the team that everyone needs to work with. I will be calling you guys next time we go to purchase. Thank you for treating us like family and answering all questions along the way. You made this process so easy and efficient. I found my mortgage team for life. I love all of you at the Chad Baker Team. You guys are the best!!!!
5.0 stars
5 years ago
Reviewed by
Mark Grozen-Smith
I would definitely refer anyone looking for a loan to work with the CrossCountry team and Chad.
Chad helped us work through our options, determine our goals and what options would work best for what we're trying to do with the real estate work we're doing, and he and his team treated everything like we were their favorite customer. They closed earlier than they initially estimated, so that's how fast they work.
Chad identified a way for us to lock in the lowest rate despite the financial markets being in chaos. It was incredibly valuable for such a large financial move we were making.
The team communicated so well, very clearly, and lightning fast.
They were so great I reached out to see how I could leave a review for them. This is not just another lender, they are truly in the top echelon of teams out there. I will 100% come back to them when I am looking for my next loan!
5.0 stars
5 years ago
Reviewed by
Nick Gentile
Chad and his team made the home buying process so much easier than our previous experience. In a short conversation where we supplied him with the necessary information he was able to secure us a pre-approval letter within hours, so that we would not miss out on the opportunity to place an offer on a house earlier that day. Once our offer was accepted he and his entire team were a pleasure to work with and had great communication (even on the weekends). If anyone who was helping us coordinate was going to be out of the office, we would get an email notifying us and who would be in contact with us during that time if anything else came up or was needed. His team went above and beyond in figuring out how we could make it work comfortably, since we ended up buying a house months sooner than we originally planned. For any future home buying activities, I would gladly work with Chad and his team again.
5.0 stars
6 years ago
Reviewed by
KMC
These guys are the best mortgage team i've ever come across.
If i could give them 6 stars i would.
They worked with my wife and I for over a year, and never lost hope in our search for the perfect property. they are patient, kind, professional, and their due diligence is unmatched. they were always very timely in their responses to my emails or calls. Chad and his team are definitely masters of their trade. Our needs were always treated as priority, felt like we were given VIP treatment. I will use them again 100% for our next investment!
5.0 stars
6 years ago
Reviewed by
Kate Kowalewski
Chad and his team are fantastic. From the start, I was amazed at how quickly I was able to obtain pre-approval. The entire process was extremely smooth and helped to alleviate the typical stress that comes with buying a home. They are extremely prompt and very knowledgeable. Additionally, the rates they are able to obtain for you are extremely competitive. I highly recommend Chad.
5.0 stars
6 years ago
Reviewed by
Jolene Mckee
This team was wonderful to work with and we would recommend to any friends or family. As a young first-time buyer, Chad Baker and team were helpful in answering any questions that I may have had. I worked closely with Juliann and Garry and they were always available when we needed them, even accommodating to our busy work schedules and meeting when it best worked for us. Their team is very responsive and got our loan funded exceptionally quick and with a great interest rate! I was very impressed with how quick they were able to pre-approve me so that we could act quick in putting an offer on the house and then how quickly and with ease that they were able to complete the loan. If I could give them a 6 out of 5 stars, I would!
5.0 stars
2 years ago
Reviewed by
Alex Melendrez
My wife and I worked with the Chad Baker Group on an investment property, and they were fantastic. Michael Sousa, the escrow team, and everyone at Chad Baker were professional and made the transaction go seamlessly. Thank you guys for your hard work and for taking care of us!!
5.0 stars
5 years ago
Reviewed by
Michelle Dudzik
Chad Baker's team at Crosscountry were phenominal to work with. We recently refinanced our home through them and not only got a great rate but were well assisted through everything with their team. Chad was very punctual in getting back to e-mails and phone calls even on the weekend! We could definitely tell he knew what he was doing throughout the whole process. Thank you for your help with our refinancing!
5.0 stars
5 years ago
Reviewed by
Chris Dudzik
Thank you Chad Baker, Toni McGraw and Team over at Cross Country Mortgage!!! You guys rock. Not only did we close in time on the loan but the rate we got was better than anything around. The Chad Baker Team works for you and is on your side. Whenever I would send an email or leave a message, I would get a response within the hour if not within minutes of sending, I was shocked by how quick of a response I would get....much faster that what was expected by far!!!!! The Chad Baker Team helped me close on my initial loan when I purchased back in 2015 and now helped during the refinance. If anyone every asks, I know the team that everyone needs to work with. I will be calling you guys next time we go to purchase. Thank you for treating us like family and answering all questions along the way. You made this process so easy and efficient. I found my mortgage team for life. I love all of you at the Chad Baker Team. You guys are the best!!!!
5.0 stars
5 years ago
Reviewed by
Mark Grozen-Smith
I would definitely refer anyone looking for a loan to work with the CrossCountry team and Chad.
Chad helped us work through our options, determine our goals and what options would work best for what we're trying to do with the real estate work we're doing, and he and his team treated everything like we were their favorite customer. They closed earlier than they initially estimated, so that's how fast they work.
Chad identified a way for us to lock in the lowest rate despite the financial markets being in chaos. It was incredibly valuable for such a large financial move we were making.
The team communicated so well, very clearly, and lightning fast.
They were so great I reached out to see how I could leave a review for them. This is not just another lender, they are truly in the top echelon of teams out there. I will 100% come back to them when I am looking for my next loan!
5.0 stars
5 years ago
Reviewed by
Nick Gentile
Chad and his team made the home buying process so much easier than our previous experience. In a short conversation where we supplied him with the necessary information he was able to secure us a pre-approval letter within hours, so that we would not miss out on the opportunity to place an offer on a house earlier that day. Once our offer was accepted he and his entire team were a pleasure to work with and had great communication (even on the weekends). If anyone who was helping us coordinate was going to be out of the office, we would get an email notifying us and who would be in contact with us during that time if anything else came up or was needed. His team went above and beyond in figuring out how we could make it work comfortably, since we ended up buying a house months sooner than we originally planned. For any future home buying activities, I would gladly work with Chad and his team again.
5.0 stars
6 years ago
Reviewed by
KMC
These guys are the best mortgage team i've ever come across.
If i could give them 6 stars i would.
They worked with my wife and I for over a year, and never lost hope in our search for the perfect property. they are patient, kind, professional, and their due diligence is unmatched. they were always very timely in their responses to my emails or calls. Chad and his team are definitely masters of their trade. Our needs were always treated as priority, felt like we were given VIP treatment. I will use them again 100% for our next investment!
5.0 stars
6 years ago
Reviewed by
Kate Kowalewski
Chad and his team are fantastic. From the start, I was amazed at how quickly I was able to obtain pre-approval. The entire process was extremely smooth and helped to alleviate the typical stress that comes with buying a home. They are extremely prompt and very knowledgeable. Additionally, the rates they are able to obtain for you are extremely competitive. I highly recommend Chad.
5.0 stars
6 years ago
Reviewed by
Jolene Mckee
This team was wonderful to work with and we would recommend to any friends or family. As a young first-time buyer, Chad Baker and team were helpful in answering any questions that I may have had. I worked closely with Juliann and Garry and they were always available when we needed them, even accommodating to our busy work schedules and meeting when it best worked for us. Their team is very responsive and got our loan funded exceptionally quick and with a great interest rate! I was very impressed with how quick they were able to pre-approve me so that we could act quick in putting an offer on the house and then how quickly and with ease that they were able to complete the loan. If I could give them a 6 out of 5 stars, I would!
