Are you a first-time home buyer, with zero - to little down payment budget?
I will help you get the most value out of your money with Zero-To-Little Down Payment!
I’m Craig Mitchell, a seasoned mortgage professional and a leading loan officer at Cross Country Mortgage. With years of experience, I've earned a place among the top 1% of Loan Officers in the United States.
I specialize in guiding first-time buyers like you through the mortgage process, helping you secure a home with little to no down payment. If you're stepping into the world of home-ownership and looking for expert financial guidance, you're in the right place.
Ready to make your dream home a reality? Click below to schedule your free consultation call with me today.
Helping Families Fulfill their Dream of Home-ownership For Over 30 years
22+
Years of Service
1452+
Home-Buyers Served
Top 1%
Loan Officer In The US
Meet your Home-Buying friend
Craig Mitchell
Craig Mitchell is a seasoned professional in the mortgage industry.
With a long background in assisting first-time home buyers since 2004, he has been instrumental in helping countless individuals become homeowners.
As a Branch Manager at Cross Country Mortgage and a graduate of UC Davis, Craig brings a wealth of knowledge and expertise to his clients.
Recognized nationally for his exceptional service, Craig has not only helped over 1,450 first-time buyers but has also been ranked in the top 1% of Loan Officers in the United States.
His dedication extends to his role as a preferred loan officer with the California Housing Finance Agency, where he focuses on helping moderate-income families secure the down payment assistance they need.
His goal is to enable first-time home buyers get the best home their money can buy while paying the absolute minimum for down-payment.
Very professional and knowledgeable loan officer. Craig is fantastic and outstanding man, he made the progress easy and painless.
Halim
Craig is the man. Very informative and helpful. He walked me through my first time buying a home and made it very easy for me. Will definitely be using him again in the future.
Zack Hudson
Craig was exceptional. Very professional, kind, and patient to answer all my questions, no matter how often, as a new homebuyer.
He's the real deal!
alice lee
Working with me is right if…
You're looking for unique ways to finance your down payment, especially since I have access to special programs that big banks just don't offer.
You need someone who's there for you on your schedule, including evenings and weekends – because I don't stick to just banker's hours.
You're all about getting a good deal, and that's exactly what I offer with interest rates and fees that are typically lower than what you'd find at the big banks and credit unions.
Speed is key for you. I get pre-approvals done lightning-fast, usually in 24 to 48 hours, and our average closing time is just 22 days, way ahead of the usual industry pace.
You value quick, responsive communication. I make sure to get back to all emails and voicemails within 2 hours, so you're never left in the dark.
The 5 Step Roadmap To Buying Your First Home.
Whether you have some experience and have done your research, or you don’t have a
slightest idea where to start - you’re in the right place.
Step 1:
Initial Consultation and Pre-Approval
Initial Consultation: We’ll start with a quick, informative consultation call where we discuss your home-ownership goals and any questions you have about the process.
Pre-Approval Process: Following our chat, you'll fill out an online application and submit your income documents. I’ll swiftly work on getting you pre-approved, setting a clear budget and preparing you for the next exciting steps.
Step 2:
Home Search and Offer Submission
Home Search: With your pre-approval in hand, you’ll team up with a Realtor to explore available properties that fit your criteria and budget.
Offer Submission: Found a home you love? We’ll team up with the Realtor to handle the paperwork and sign the purchase contract to get everything wrapped up for you.
Step 3:
Contract Signing and Due Diligence
Contract Signing: Once your offer is accepted, the Realtor will move forward with signing the purchase contract, locking in the terms of your new home.
Due Diligence: This stage includes ordering a home appraisal and conducting inspections to ensure everything with the property is as expected.
Step 4:
Loan Review and Approval
Loan Review: At this stage, an underwriter will thoroughly review the home appraisal and your financial documents.
Loan Approval: Once everything checks out, your home loan will be officially approved, bringing you one step closer to home-ownership.
Step 5:
Final Paperwork and Closing
Final Paperwork: You’ll meet with a notary to sign the final loan documents. A significant milestone in finalizing your home purchase.
Closing: The moment you’ve been waiting for – closing the deal. This is where the transaction is completed, and you receive the keys to your new home!
Ready to Get The Keys To Your Dream Home?
Why Work With Us
Serving Home Buyers Since 2004
I began my journey as a mortgage advisor back in 2004, and since then, it's been all about helping aspiring home-owners like you find the right loan at the best rate. I've always believed in a personal approach, making sure each client feels like part of the family.
A Track Record of Success
For over 20 years, I've been in the mortgage business, and I've loved every moment of helping people achieve their dream of homeownership. You're not just another client to me; you're someone I'm committed to guiding through every step of the process.
Real Service, Real Results
As a loan officer, it's not just about the numbers for me – it's about real connections and real results. I've worked with more than a thousand clients, and each one has their own story. My goal? To add your success story to that list by finding you the perfect loan for your dream home.
Down Payment Assistance
With extensive experience in facilitating numerous mortgage loans, I expertly guide you in navigating down payment assistance programs, offering solutions often unavailable at major banks and credit unions.
Competitive Rates and Lower Fees
I pride myself on finding the lowest interest rates and fees that are consistently lower than those at major banks and credit unions, without any hidden charges.
Rapid Pre-Approval and Efficient Closing
Experience a quick pre-approval within 24 to 48 hours and an average closing time of just 22 days, much faster than the 3 to 5 days and 49 days industry averages of big banks and credit unions.
Here’s What People Are Saying.
Fast, Efficient, and Kept In Touch
Accurate, Efficient and Pleasant
My husband and I are very big on energy and Craig was very warm, kind, and welcoming. He made himself available to us and got us the answers we needed. Craig even offered helpful information along the way that we didn’t even know we needed. In the end we were able to land our dream home as first time homebuyers with a loan that worked for us. My husband and I were recommending Craig before we closed on our home!
Expectations exceeded
There was no pressure or sales pitch
I'm giving Craig 5***** for his immaculate service as my broker and working with me close on my first home. Craig went above and beyond and did his due diligence to get the job done. He kept me updated as days passed and never left me in the dark, never let me believe the unbelievable and for that he is as honest as they come. I was referred to Craig and I'm hoping to refer one of my friends.
Straight Forward
Craig is amazing!
Craig did a outstanding job with my house buying process! He is very knowledgeable and is always available to help and answer any questions I had. Couldn’t have done it without him! I’m looking forward to many more house buying deals with Craig. I highly refer Craig to anyone buying a home. Thanks Craig!
Couldn't be more pleased
Craig was knowledgeable, prompt and concise.
I got Craig's contact from my Realtor to find out about FHA loans for my first house. He quickly education me about a better program which reduced my monthly payment and helped with the down payment and closing costs. He also extended the promised rate when the closing date slipped past the last date of the interest rate lock.
Craig Is Very Awesome To Work With!
He constantly overdelivered!
Craig was very awesome to work with. He was very easy to communicate with and was always available. He explained to my wife and I every process of buying our home step by step, and he explained everything very clearly so that we was aware of it all, and didn't feel lost or left out. He has made our first home buying purchase easy and stress free. He was Amazing to work with.
Craig Went Above and Beyond For Us. Highly Recommend
If I could give more than 5 stars I would!
Wow! What a great guy!! He was there at every step of the way to make the home buying process easy and understandable. As a first time home buyer, I had lots of questions and Craig was always able to take my call and happy to answer. If I could give more than 5 stars I would! He deserves it!
Exceptional Service
He was there every step of the way!
Without Craig I can honestly say I don’t think we would have been able to buy our house. Craig was there every step of the way and answered all of our many questions. He recommended a program that worked well for our situation. We feel incredibly lucky to have had his help.
Exceeded all our expectations.
Extremely responsive
Craig was critical to us buying a house.
He even went as far as to call the seller to ensure we were good for our money. He is extremely responsive. We will be working with him for all future house purchases or refinancing!
I wouldn’t choose anyone else but Craig
Top notch!
Absolutely top notch! Stays on top of the process and keeeps yu in the loop with weekly communications so that there are no surprises. Very pleasant to work with and he never forgets whom he works for. If you are considering buying a home, get Craig on your team.
can’t recommend enoguh
Craig is just awesome
I recently had the opportunity to do business with Craig Mitchell at Cross Country Mortgage. I can’t say enough about Craig as he is awesome. Thanks a lot Craig for the great work during the entire process of buying my new home. Your commitment and knowledge to this process was outstanding. I know I had questions during this process but with your expertise and knowledge of the industry and your job, I was confident you would get the job done…and you always had a quick response to ALL my questions. I so appreciated that!
craig is such an amazing person
He made it so easy!
Craig was recommended to us by our old realtor. From our first conversation I knew I wanted to work with him.
Being a first time home buyer I had a million questions, all of them dumb. Craig took to time to answer each one and made sure I was clear with his explanations.
He made securing funding for my house the easiest part of my home buying process! I would recommend Craig to any body!
absolute joy to work with
Top notch!
I’ve worked with Craig twice and each time has been a great experience! Craig worked with me on my original loan for my first home purchase. Everything was swift and easy and it helped my realtor create a competitive package that helped me land my first home in the Bay Area. I recently just closed a refinance with Craig that helped me get an even better rate than my last loan! It was a great experience. My case was a bit more complicated but Craig made the whole thing very easy for me. It was great working with Craig and I would definitely work with him again!
More Praises About Craig.
can’t recommend enough
I highly recommend Craig. Craig is exceptionally quick in response, patient, and knowledgeable. As first time homeowners the buying process was intimidating.
Craig assured that we were always receiving weekly updates on our home status and was very kind when answering any question regardless of complexity.
He genuinely cares about his clients.
He gets back to you So quickly!
Craig was an absolute pleasure to work with when obtaining our home loan. We were originally recommended another loan originator however the other guy didn’t fully answer our questions and had us rethinking purchasing a home. After getting another recommendation from our realtor, we were put in contact with Craig. After the first contact with Craig we knew he was the one we could trust with all our home loan needs. As first time home buyer’s, he explained everything we needed to know. He gets back to you quickly when you have any questions and he works so efficiently we were even able to close early.
Craig is YOUR MAN!
If you’re in search of excellent concierge mortgage consultant(lender affiliated) services, Craig is YOUR MAN! Craig is outstandingly phenomenal! Detail oriented, intelligent, and patient he embodies all the important traits you will need and learn to value in pursuing any real estate transaction/s: initiative, interpersonal skills, while attentive to your request and needs. Craig not only educates, hears and takes questions-he listens and gives cohesive answers in an expedited fashion. He makes sure you’re taken care of! I am so happy to have a man within his field sharing his gift by way of connectiveness (family matters) working for and towards humanity-Priceless!
he made it very easy to understand
Craig Mitchell was very professional at all times. He kept us aware of everything that was happening during our loan process. If I had any questions he was always available to answer though we didn’t have to reach out to him very much because he is so attentive. This was our first home purchase. We didn’t know much about the process but he made it very easy to understand the things we had questions about. It was really nice to speak to Craig and understand not only what our options were but he also helped us understand what the best options were for our particular situation. We really enjoyed working with him and would highly recommend him to family and friends!
1-1 Introduction Consultation With Craig Mitchell
By the end of this call, you will have a clear understanding of the next steps that you need to take in the process of securing your new home.
Find a time on our calendar and I look forward to meeting you!
This Mortgage Consultation Is Perfect For:
First Time Homebuyers trying to figure out the best path of renting to owning.
Existing homeowners that want to buy a new home and figure out how to handle the timing and what to do with their current home.
Potential Homebuyers looking to get clarity on the housing market and advice on the best path to buying a home.
Existing homebuyers that already have talked to another lender but want a second opinion or better experience.
Homeowner’s looking to invest in Real Estate for investment or pleasure
Still Have Questions?
RELAX. WE HAVE YOU COVERED!
(512)-253-1673
Are there any first-time home buyer programs available?
Yes their are multiple down payment assistance programs available through the state of California and through non profit agencies that can cover your entire down payment when buying a home. Once you fill out an application we will find out which programs you qualify for and we do all the necessary paperwork on your behalf to help you obtain the assistance.
What are your interest rates?
Interest rates change daily, we make sure that our rates are always lower then the major banks and credit unions so you can feel secure in knowing you are getting a great rate.
How much are closing costs?
closing costs for most types of home loans range between 2 to 2.5 percent of the sales price. Closing Costs for down payment assistance programs tend to be a little higher depending on the program you choose. If you do not have money for closing costs that is ok. Many of our clients have the seller pay the closing costs as part of the negotiations.
What credit score do I need?
To qualify for down payment assistance and to buy a home with no money down a 600 credit score is needed. With a 580 credit score you need a down payment of 3.5 percent. with a 500 credit score you need a down payment of 10 percent.
How much do I qualify for?
Rough rule of Thumb is you can usually borrower around 4 to 5 times your annual income. so if your income is 100K a year, you will probably qualify for a loan amount between 400 to 500K.
Is now a good time to buy a house?
Home prices are determined by supply and demand just like everything else. California is currently needs an extra 1.2 million homes. Due to the shortage of homes for sale (we are currently at only 50 percent of normal) home prices are likely to continue rising over the next few years. Waiting to buy a home will result in higher home prices.
CrossCountry Mortgage,
LLC 2160 Superior Avenue, Cleveland, OH 44114
Cross Country Mortgage, LLC
NMLS 3029 and Craig Mitchell NMLS 286100
1981 N Broadway, Ste 275
Walnut Creek, CA 94596
To Apply:
916-84-3847
