Scott Harshman - CrossCountry Mortgage, LLC

5.0 star review received on Experience.com for Scott Harshman by Freddy C - Scott was an exceptional mortgage insurance manager who made the entire loan process smooth and stress-free. His professionalism, clear communication, and attention to detail were evident throughout. He patiently answered all my questions and ensured I understood every step. I highly recommend Scott for anyone in need of reliable and knowledgeable assistance with their mortgage needs.

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5.0 star review received on Experience.com for Scott Harshman by Jerri F - Scott and Samantha have been very helpful and communicative with the entire process from start to finish keeping me updated and informed on the progress of my loan. I appreciated their attention to the details and felt assured I was in very good hands.

New ★★★★★ 5 Star Experience.com Review by Jerri F Click to see all 151 reviews of Scott Harshman at CrossCountry Mortgage, Originating Branch Manager | NMLS #1117482

5.0 star review received on Experience.com for Scott Harshman by Ella S - Everyone is so helpful. Easy process to refinance. Scott, Lindsey, Samantha and team are an absolute delight to work with!!!

New ★★★★★ 5 Star Experience.com Review by Ella S Click to see all 149 reviews of Scott Harshman at CrossCountry Mortgage, Originating Branch Manager | NMLS #1117482

5.0 star review received on Experience.com for Scott Harshman by Rachel S - Scott took a lot of time to explain the process and never made me feel like it was too much. It was stressful deciding and the team aligned with our goals and never pushed.

New ★★★★★ 5 Star Experience.com Review by Rachel S Click to see all 148 reviews of Scott Harshman at CrossCountry Mortgage, Originating Branch Manager | NMLS #1117482

5.0 star review received on Experience.com for Scott Harshman by Jason B - Scott has always been keeping us up to date on any changes to the loan and been able to explain any market changes. We really felt like he was looking out for us.

New ★★★★★ 5 Star Experience.com Review by Jason B Click to see all 145 reviews of Scott Harshman at CrossCountry Mortgage, Originating Branch Manager | NMLS #1117482

5.0 star review received on Experience.com for Scott Harshman by Adam H - Just like Tony the Tiger says, “They’re Grrrreat!”.

New ★★★★★ 5 Star Experience.com Review by Adam H Click to see all 145 reviews of Scott Harshman at CrossCountry Mortgage, Originating Branch Manager | NMLS #1117482

5.0 star review received on Experience.com for Scott Harshman by Marcia O - scott and his teams kept us informed and had all needed documents ready and accurate. they made the buying process run smoothly. they would answer all our questions and get back with us when necessary in a very quick time frame

New ★★★★★ 5 Star Experience.com Review by Marcia O Click to see all 143 reviews of Scott Harshman at CrossCountry Mortgage | NMLS #1117482, Originating Branch Manager | NMLS #1117482

5.0 star review received on Experience.com for Scott Harshman by Marnie L - So kind, efficient, knowledgeable and flexible.

New ★★★★★ 5 Star Experience.com Review by Marnie L Click to see all 140 reviews of Scott Harshman at CrossCountry Mortgage | NMLS #1117482, Originating Branch Manager | NMLS #1117482

5.0 star review received on Experience.com for Scott Harshman by Steven S - The whole CCM team was fantastic to work with. Very organized, responsible, and responsive to any of our questions or concerns about our mortgage.

New ★★★★★ 5 Star Experience.com Review by Steven S Click to see all 138 reviews of Scott Harshman at CrossCountry Mortgage | NMLS #1117482, Originating Branch Manager | NMLS #1117482

5.0 star review received on Experience.com for Scott Harshman by Brianna N S - Scott, Lindsey and Samantha are all incredibly supportive and easy to talk to. I have been able to consistently get my questions answered in an incredibly timely fashion. The team works together to problem solve and create solutions to difficult situations. Thanks for another great close

New ★★★★★ 5 Star Experience.com Review by Brianna N S Click to see all 137 reviews of Scott Harshman at CrossCountry Mortgage | NMLS #1117482, Originating Branch Manager | NMLS #1117482

5.0 star review received on Experience.com for Scott Harshman by Morgan M - Scott worked with my agent, Tony Geraty, to make a nearly impossible deal happen in an impossibly short amount of time. I had to write an offer by a deadline. Tony was able to contact Scott on a Sunday and get confirmation that we could close in just 12 days. Scott said we could do it, and we did. It is a big reason we got our offer accepted over 22 competing offers. I cannot thank Scott enough.

New ★★★★★ 5 Star Experience.com Review by Morgan M Click to see all 135 reviews of Scott Harshman at CrossCountry Mortgage | NMLS #1117482, Originating Branch Manager | NMLS #1117482

4.25 star review received on Experience.com for Scott Harshman by Nicholas B - Scott and the team support a quick turnaround from application to closing. They were competitive in their offerings and responsive when contacted.

New ★★★★★ 4.25 Star Experience.com Review by Nicholas B Click to see all 133 reviews of Scott Harshman at CrossCountry Mortgage | NMLS #1117482, Originating Branch Manager | NMLS #1117482

4.75 star review received on Experience.com for Scott Harshman by Jacob O - Team Harshman was attentive and helpful throughout the process and helped make it as painless as possible.

New ★★★★★ 4.75 Star Experience.com Review by Jacob O Click to see all 73 reviews of Scott Harshman at CrossCountry Mortgage | NMLS #1117482, Originating Branch Manager | NMLS #1117482

5.0 star review received on Experience.com for Scott Harshman by Taylor B - Scott and his team always take the time to really understand the needs of their clients and explain things that ensure they make the best decision. Their attention to detail has ensured every buyer they have put under contract has closed successfully.

New ★★★★★ 5 Star Experience.com Review by Taylor B Click to see all 71 reviews of Scott Harshman at CrossCountry Mortgage | NMLS #1117482, Originating Branch Manager | NMLS #1117482

5.0 star review received on Experience.com for Scott Harshman by Taylor S - Great customer service! Very responsive and worked with everyone (real estate agents, title company and in my particular situation, a roofer) to ensure a mutually beneficial deal for all parties that went through in a very tight schedule despite many many roadblocks and turns. I am very appreciative of Scott and his team for all their hard work.

New ★★★★★ 5 Star Experience.com Review by Taylor S Click to see all 67 reviews of Scott Harshman at CrossCountry Mortgage | NMLS #1117482, Originating Branch Manager | NMLS #1117482

5.0 star review received on Experience.com for Scott Harshman by Terry W - Scott and his team came through for us in every way possible. They were thorough, accessible, and answered every question we had along the way. I felt very comfortable working with Scott and his team, and would happily do so again in the future.

New ★★★★★ 5 Star Experience.com Review by Terry W Click to see all 66 reviews of Scott Harshman at CrossCountry Mortgage | NMLS #1117482, Originating Branch Manager | NMLS #1117482

5.0 star review received on Experience.com for Scott Harshman by Greg M - Scott and his team were great to work with. All of my clients questions were answered promptly and we were even able to close before the closing date. Thanks for your help!

New ★★★★★ 5 Star Experience.com Review by Greg M Click to see all 65 reviews of Scott Harshman at CrossCountry Mortgage | NMLS #1117482, Originating Branch Manager | NMLS #1117482

I have two tickets to the Rockies game tonight if anyone wants them! Game is at 6:40.

Renters vs. Homeowners: Who's winning the financial battle? Spoiler: The gap is widening. 🏠💔

• Financial Satisfaction: A striking 57% of renters report feeling financially strained, as opposed to just 29% of homeowners.

• Bill Payment Challenges: A concerning 46% of renters struggled with bill payments in the past month, compared to 29% of homeowners.

• Future Financial Prospects: Homeowners feel nearly twice as optimistic about their financial future as renters do.

• Wage vs. Rent Growth: The gap between wage growth (20%), and rent increases (40%), since the pandemic's start places renters in a precarious position.

• Rent Burden Increase: The proportion of income that renters need to allocate for housing has exceeded 30%, a troubling trend for renters.

• Home Equity and Mortgage Rates: The increase in home equity, coupled with historically low mortgage rates (average of 3.5%), highlights the financial advantage for homeowners.

• Shift in Bankruptcy Filings: The fall in homeowner bankruptcies from 54% in 2010 to 23.4% in 2023 illustrates a significant change in financial stability.

These insights are vital for understanding the financial pressures facing renters compared to the relative security enjoyed by homeowners.

Interested in the full scoop? Read the article here: https://www.axios.com/2024/01/11/us-economy-renters-homeowners-axios-vibes

Financial Health of Renters vs Homeowner's Vidyard video

Read the article here: https://crosscountrymortgage.com/resource-center/pay-off-credit-card-debt/?nmls=1117482&utm_source=journey&utm_medium=email&utm_campaign=monthly_consumer_email&utm_term=read_more_2&utm_content=pay_off_credit_card_debt

⚖️The division of real estate in a divorce involves more than just deciding who moves out. It encompasses a range of financial considerations, including but not limited to mortgage eligibility, refinancing options, and the equitable distribution of property equity.

Each party's ability to afford the mortgage on a single income post-divorce, or their eligibility to refinance, plays a critical role in these decisions. This is where the specialized skills of a CDLP® become invaluable.

📃Please read my article on Navigating Real Estate Challenges in Divorce and how a Certified Divorce Lending Professional can help! Link to article in comments.

This is what I do, and I do it every day! Divorce Lending Association

🏠 Join us next Thursday for our monthly Tactics Talk webinar!

Whether you're a seasoned investor or just dipping your toes into the real estate market, you won't want to miss out on our latest updates and expert tips. 💡

We'll be diving into all things mortgage and real estate, offering insights to keep you financially savvy in today's market. 📈

Plus, it's an interactive forum, so feel free to ask anything! Don't miss your chance to stay ahead of the game - reserve your spot now using the QR code or link in comments!

💖 Happy Valentine's Day! 💖

Looking for your dream home is a lot like finding true love, and I'm here to play matchmaker!

🏠 Whether you're swooning over a cozy cottage or dreaming of a spacious condo, I've got your back when it comes to finding the perfect mortgage match. 💑

🤔Thinking of diving into the housing market? Before you start daydreaming about your dream home, here's a friendly tip: GET PREAPPROVED FIRST!

💡Why? Knowing what you can afford and being qualified puts you in the driver's seat when it comes to finding your perfect match. 🚗 Don't fall in love with a home until you're preapproved!

Our team is here to guide you through every step of the process.

📩Drop us a DM to get started today!

Ready to level up your estate planning game?

If you're in need of a will or want to give your current one a makeover, I've got your back! Let me introduce you to an incredible estate attorney who'll make the whole process a breeze.

Drop me a message or reach out at 719.369.0381 for a referral to a top notch legal professional!

Personal NMLS1117482 Branch NMLS2160377 Company NMLS3029

With many divorcing homeowners not wanting to refinance for fear of losing their current low-interest rate, a simple legal transfer assumption is commonplace, and leaving the existing mortgage as-is. Overlooking the current property insurance policy may be a big mistake down the road.

Insurance is considered a personal contract, and the hazards the insurance company elects to assume run to the individual rather than upon the property. Therefore, there may be no coverage if the insured parts with all interest in the property before the loss.

Please read my article that explores the costly consequences of overlooking updates to property insurance coverage during and after divorce.

Don't hesitate to contact me if I can assist when divorce intersects with real property and mortgage planning - this is what I do, and I do it every day!

🏡 Considering buying a home?

Partnering with a Certified Mortgage Advisor (CMA) can make all the difference!

As your CMA, I'm here to guide you beyond just interest rates.

Your monthly payment and long-term goals are what truly matter.

Let's chat and paint the picture towards homeownership together! 🖌️

Personal NMLS1117482
Branch NMLS2160377
Company NMLS3029

The Marital Home and Mortgage Financing: Key Questions in Divorce

Who Gets the House?
• Determining ownership rights and equitable distribution.
• Options for one spouse to keep the home.
• Potential sale and division of proceeds.

Mortgage Responsibility
• Can one spouse afford the mortgage alone?
• Refinancing considerations.
• Legal obligations for joint mortgage holders.

Tax Implications
• Capital gains and tax consequences upon sale.
• Impact of the Tax Cuts and Jobs Act on deductions.
• Seeking professional advice for tax planning during divorce.

Ready to navigate the complexities of divorce mortgage planning? Let me help guide you. Contact me today – this is what I do, and I do it every day!