Jordan Vreeland
Licensed Mortgage Broker · NMLS #795404
Comparing lenders or need to switch fast? I'll tell you exactly where things stand.
Let's Talk Home Loans Schedule a call with usLender Comparison
CrossCountry has Tampa roots. So do we. The difference shows up when your closing date is three days out and your lender still hasn't cleared the file.
The Comparison
CrossCountry Mortgage operates across the country and has loan officers in the Tampa market. That name recognition means borrowers who've heard of them often do a side-by-side before committing. That's a smart move. Choosing a lender isn't just about rates, it's about what happens when your timeline gets tight or your file hits a snag.
14 Days To Close is a mortgage broker, not a retail lender. That distinction matters more than most borrowers realize. As a broker, we're not limited to one product set. We work through PRMG and handle FHA, VA, USDA, Conventional, Jumbo, and DSCR loans in-house. If one product doesn't fit your situation, we don't start over. We pivot to the right option for your file.
If you're here because your CrossCountry application has slowed down, or you're still shopping and want a straight answer on where you stand, that's exactly what we're here for. Here's how we work.
We can't speak to what CrossCountry will or won't do for your file. Every situation is different, and the experience depends heavily on the individual loan officer you're working with. What we can tell you is why people call us.
Some borrowers are mid-process when communication slows down. They're under contract, the clock is ticking, and they can't get a clear answer on where their file stands. That's not unique to any one lender. It's a pattern that shows up at retail lenders across the industry when files get passed between departments.
Others come to us before they've committed anywhere. They're comparing lenders, want someone who'll actually answer the phone, and want to know if there's a faster path. If your file is moving slowly or you need a backup option, see how fast we move.
Side by Side
| Feature | 14 Days To Close | CrossCountry Mortgage |
|---|---|---|
| Loan program options | ✓ FHA, VA, USDA, Conventional, Jumbo, DSCR | Single retail lender product set |
| Direct broker access | ✓ Every file personally reviewed by Jordan | Assigned loan officer, varies by branch |
| Closing speed | ✓ As fast as 4–6 days in many cases | Typically 30–45 days |
| Complex file handling | ✓ Self-employed, DSCR, non-QM | Standard qualifying guidelines |
| Can pivot loan products mid-file | ✓ Yes, multiple options through the broker model | Limited to their own product stack |
| Florida market knowledge | ✓ Tampa HQ, licensed to lend nationwide | National retail lender with Tampa branches |
Closing deadlines don't pause because your lender is behind. When a contract specifies a closing date, a delay from the lender is a delay for everyone in the transaction. The seller, their agent, the title company, the movers, and you. That pressure falls hardest on the buyer.
We've received calls three days before a scheduled closing where the borrower's current lender still couldn't confirm a clear-to-close. We've stepped in and delivered. That's not a boast. It's a documented track record, and you can see it here.
If you're still comparing lenders before going under contract, you've got time to make the right call. If you're already in the deal and you're not confident your current lender can deliver on time, call us today. We'll tell you exactly where things stand within the first conversation.
CrossCountry Mortgage is a retail lender. Their loan officers originate loans using CrossCountry's own products and their own underwriting guidelines. That structure works well for straightforward files, but it comes with limits: if your situation doesn't fit their box, your options are narrow.
14 Days To Close is a mortgage broker, powered by PRMG. We handle six loan types in-house: FHA, VA, USDA, Conventional, Jumbo, and DSCR. Because we operate through a broker model, we can work across programs to find the best fit for your specific file. That flexibility is the difference between a denial and an approval for a lot of borrowers, especially those who are self-employed, investing, or coming back from a credit setback.
The other thing a broker structure gives you: speed. Fewer hands in the file means faster decisions. We own the relationship with underwriting and we push the file ourselves. That's not something a retail lender's pipeline can replicate. Learn more about how we work and why borrowers who've been through the big-lender experience don't go back.
Watch
Jordan breaks down the broker process and what separates a fast close from a frustrating one.
Jordan Vreeland, Licensed Mortgage Broker, NMLS #795404
We've closed loans in as little as 4–6 days from first inquiry to clear to close. That's not a number we put on a billboard. It's a documented result, and you can see the proof.
Timelines depend on how quickly all parties submit documentation, when the appraisal comes in, and whether the title is clean. We don't control all of those pieces. What we control is our side of the process, and we push it hard every single day. The industry average sits around 30–45 days. Most of our clients close well before that.
If you're already under contract with a closing date in sight, the time to make a lender switch is now, not a week from now. Call now or schedule a callback and we'll give you an honest read on your timeline within the first call.
One call tells you where you stand. No commitment, no credit pull. Just a straight answer on what's possible for your file and your timeline.