When it comes to financing a home, who you work with matters. A lot. Yet many buyers still go straight to their local bank or credit union assuming it’s the safest or most convenient path. The reality? That choice can often cost them time, money, and — in competitive markets — even the home itself.
Here’s why working with a direct lender like my team at CrossCountry Mortgage gives you a massive edge over using a traditional bank.
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1
You get deep experience — not a generalist.
When you work with the Brian Manning Team, you’re tapping into 27 years of mortgage experience. We’ve seen it all and know exactly how to navigate complex scenarios.
At a bank, you’re likely working with someone who’s a generalist — a customer service rep who could just as easily be opening checking accounts. It’s like walking into a courtroom and choosing between a seasoned attorney or a public defender. You get what you pay for — and banks are not known for staffing their sales side with seasoned professionals who can guide you through a financial decision this big.
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2
Play flashlight tagWe have hundreds of loan options — they might have 5.
At CrossCountry Mortgage, we have access to a vast array of loan programs — from jumbo to conventional, from bank statement loans to DSCR and asset-based lending. We don’t try to fit you into a narrow box — we find the product that fits you.
Most banks only offer five to ten mortgage products. That’s it. And most buyers don’t fit neatly into those few categories. With our wide product selection, we’re able to say “yes” to scenarios where the bank simply can’t.
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3
We close in 10 days — no bank can touch that.
The biggest weapon in a competitive housing market? Speed and certainty.
Our team is consistently closing purchase transactions in just 10 days. That kind of execution changes the game — it wins bidding wars, beats out cash offers, and gets our buyers better pricing and seller credits.
Banks can’t compete. Their staff lacks deep experience, their processes are slow, and their timelines kill deals. We run circles around them — and we help you win.
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4
Our process starts with strategy — not guesswork.
We believe the most important part of the entire mortgage journey is the pre-approval. That’s why every buyer we work with starts with a consultation — a one-on-one strategy session that gives you clarity, confidence, and hard numbers before you make any big decisions.
Banks often skip this step. Their reps don’t dig deep into your finances. They don’t spend time reviewing your options. We do — because that’s how you win.
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5
Real-life wins over the banks — every week.
Just recently, a self-employed client came to us after being denied by a credit union. The bank miscalculated their income — something we see all the time. Our team knew exactly how to structure the file, calculate their earnings properly, and get them approved quickly.
Another client came to us last weekend. Their bank had them pre-approved and ready to make an offer — but needed 30 days to close. The property had multiple offers, including cash. We got the buyer pre-approved on Saturday and structured a 10-day close that helped them win the deal. Banks can’t do that. We can — and we do, every single week.
The bottom line? You’re not just getting a mortgage — you’re making one of the biggest financial decisions of your life.
Choose someone who has the experience, the options, and the firepower to help you win. Choose the Brian Manning Team at CrossCountry Mortgage.