Mike Murgatroy CrossCountry Mortgage

Mortgage Companies

About us

Mike Murgatroy has 24 years of lending experience and is an Angi Super Service Award recipient 2012-2022. Mike is also ranked in the top 1% mortgage originators in the United States. With integrity at the core of his values, you can rest assured that Mike Murgatroy will give you informed detailed mortgage advice, the same he would recommend to his own family. We pride ourselves on having a transparent process which we will walk you through every step of the way. Start your application process today by visiting themurgteam.com and find out why so many others continue to bring their business to Mike Murgatroy. NMLS ID# 60099; http://www.nmlsconsumeraccess.org

Business highlights

27 years of trusted experience

Services we offer

Residential Mortgages, Purchases, & Refinances.

Amenities

Free Estimates
Yes
Warranties
Yes
Senior Discount

$200



Accepted payment methods

American Express
MasterCard
Visa

Photos of past projects

Reviews

4.9602 Reviews
Number of StarsImage of DistributionNumber of Ratings
5
95%
4
1%
3
1%
2
1%
1
2%


Rating CategoryRating out of 5
quality
4.9
value
4.9
professionalism
4.9
responsiveness
4.9
punctuality
4.9
Showing 126-150 of 602 reviews

Barry M.
03/2017
5.0
mortgage broker
  + -1 more
Great! Fast, friendly, helpful service from start to finish. Great communication to provide smooth service. We would highly recommend using Mike and his staff when financing a home.
Description of Work: Refinanced our home at a better mortgage rate.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from Mike Murgatroy CrossCountry Mortgage
Thank you for the kind words! The mortgage process can be a hair-pulling experience if you don't have the right team to guide you. Being the first company to offer the Digital Mortgage allows us to get your loan closed in a snap!

H.C. B.
03/2017
5.0
mortgage broker
  + -1 more
Even though we are located in Kentucky all the details were covered and the transaction was smooth. This was our 3rd time to reach out to Michael and his team, once again they took great care of us with their professional teamwork and follow-up to get the loan processed in a timely fashion. We highly recommend Michael, Patrick, Rick, Mike and the Team at Guaranteed Rate (murg@rate.com)!
Description of Work: The service performed was a Refinance Mortgage with Michael Murgatory and the MURGATORY TEAM at Guaranteed Rate. Michael Murgatroy holds state licenses in over 35 states in the US, his Guaranteed Rates helped us beat the most competitive rates in KY for the 3rd time. The Murgatroy Group came highly recommended to us 15 years ago from a family member.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from Mike Murgatroy CrossCountry Mortgage
Thank you for the glowing review! As you mentioned, we were able to provide a smooth transaction even though we were not located in your state. With our Digital Mortgage, clients are able to complete the loan process from start to finish conveniently from their computer or smartphone. This is one of the reasons why we have repeat clients even though we have never met in person. We are able to provide the same great experience whether you are located in our own back yard or a 1,000 miles away!

michelle P.
02/2017
5.0
mortgage broker
  + -1 more
Everything went exactly as Mike said it would, no issues at closing.
Description of Work: The process for a mortgage is a difficult one however Mike made it all much easier. I asked a lot of questions and he was very quick and efficient with all responses. He also has a great team that walked me through all the steps to make sure closing went smoothly. I would have no problem recommending Mike to anyone.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from Mike Murgatroy CrossCountry Mortgage
You are correct that the mortgage process can be difficult and complex if you are not working with the right mortgage professional. Our team's motto is to over-communicate at all times! We have never had an agent or a client state we are communicating too much! Our experienced team will make the process as seamless as possible and make sure that all parties are well informed from beginning to end. We thank you for being a loyal client to us!

Ivey H.
02/2017
5.0
mortgage broker
  + -1 more
The whole process was great! The application process was extremely easy and convenient to upload documents. The team was very helpful, knowledgeable and professional. We were always treated as a priority and were kept informed every step of the way. We highly recommend Mike Murgatroy's team at Guaranteed Rate for any mortgage needs you have. We had a wonderful experience in obtaining our mortgage loan.
Description of Work: We needed to obtain a mortgage for a new construction home.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from Mike Murgatroy CrossCountry Mortgage
We thank you for the great review! New construction can be very challenging if you do not have a well-educated, experience mortgage professional to lead the way. This particular builder had went passed the date of completion and we were very pleased to have been able to still provide with you with the original terms of your loan even though the closing was well passed the expiration date of your original pricing. We will always do anything we can to ensure our clients receive the very best terms available!

Kim M.
02/2017
5.0
mortgage broker
  + -1 more
I am very happy in my new house. It wouldn't have been possible without Guaranteed Rate.
Description of Work: The team at Guaranteed Rate with Mike Murgatroy did a great job getting me into my dream house. It was touch and go for a while but they came through and worked with me to get my house. This is my second time using them and I highly recommend them. They also had the best rates.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from Mike Murgatroy CrossCountry Mortgage
Thank you for the kind words about our team! We were very happy to have been able to deliver you a great loan with aggressive pricing for the second time!

Jeci C.
01/2017
5.0
mortgage broker
  + -1 more
Throughout the months I was building, I talked with each of his team members, and all were extremely professional and helpful. The person I have spent the most time speaking was Patrick Wise, and he was EXCEPTIONAL! He and I had such an easy rapport, that this whole process was a delight! No matter how many times I called to ask questions, he seemed happy to hear from me…I am in a service profession myself, so I know GREAT service when I get it, and I cannot say enough nice things about Mike and his team!
Description of Work: I was building a townhouse and WAY back in August 2016, I saw an advertisement for Guaranteed Rate Mortgage Company, so I submitted a information request, and within MINUTES, Mike called me to discuss my mortgage needs! We talked about my personal situation, and he presented me with options I never knew existed!! He outlined each option thoroughly, so I could make an informed decision.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from Mike Murgatroy CrossCountry Mortgage
Thank you for the kind words about our team! Buying your home new construction can be challenging and has many moving parts. This is where we step in and guide you through the process smoothly. One of our team's core values is providing excellent customer service. We believe in over communicating as well as prompt responses to questions you may have through the process. It was our pleasure to work with you and we look forward to helping your family, friends, and co-workers in the future!

Frank & Lisa M.
01/2017
5.0
mortgage broker
  + -1 more
They were fantastic to work with. They made the process very simple and their customer service is outstanding. Everyone was extremely responsive. We have now worked with them 3 times and each time was an excellent experience.
Description of Work: I refinanced my personal residence and a rental property.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$1,000

Response from Mike Murgatroy CrossCountry Mortgage
Thank you for the kind words! It was our pleasure to help you for the 3rd time and to deliver your mortgage loan in the timeframe we promised with a lower rate and payment.

Stephanie B.
01/2017
5.0
mortgage broker
  + -1 more
My wife and I did a bit of research prior to contacting Mike since making a home purchase is a big decision. We definitely made the right choice. He was prompt and professional. We never felt rushed and he took the time to thoroughly explain the process and patiently answered all our questions. We are still in the process of searching for a house and continuing to work with Mike until we qualify. You see a lot of great reviews on this site for a reason. If you are looking for a mortgage, call Mike today!
Description of Work: Home Mortgage

Rating CategoryRating out of 5
quality
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from Mike Murgatroy CrossCountry Mortgage
Thank you for your kind words. It is our pleasure to fully educate you to assure you know the mortgage process and all your options.

Chris D.
01/2017
5.0
mortgage broker
  + -1 more
Outstanding! I've done a refinance and two home purchases using Mike Murgatroy and his team at Guaranteed Rate. They are prompt, clear and professional in all interactions. From what I need to get together to complete the loan to counseling me as to the best type of loan to pursue...they have done an excellent job across the board. It was scary the first time, dealing with a mortgage company in another state...they have made the process so simple and comfortable there is no fear in recommending them to others.
Description of Work: Mortgage for Home Purchase.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$1,100

Response from Mike Murgatroy CrossCountry Mortgage
Thank you very much. It is our pleasure to deliver every time. I'm so glad you shared that you were initially hesitant about us being in another state and it didn't matter. Our technology has made it so easy that we do mortgages for locals the same as if you are on the opposite side of the country. We look forward to assisting you or any of your referrals in the future.

Jessie B.
01/2017
5.0
mortgage broker
  + -1 more
Mike Murgatroy and his staff at Guaranteed Rate explained the process to me and my husband with the upmost and honest professionalism. They were organized, timely, knowledgeable and responsive! This team understands the needs of their customers and saved us a significant amount of money with our loan. Thank you so very much for all your help in securing our loan for our new home here in Boynton Beach!!!!!!! Highly recommended!!!
Description of Work: Home loan/ mortgage process

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from Mike Murgatroy CrossCountry Mortgage
Thank you for trusting us with your largest financial purchase. We were able to get you into the house with only 5% down payment and no monthly mortgage insurance and giving you the choice on rate you wanted to reduce the out of pocket cash.

Marsha W.
01/2017
5.0
mortgage broker
  + -1 more
Fantastic!!! We were able to lock in a very low rate and paid $0 in closing costs!
Description of Work: Refinance mortgage

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from Mike Murgatroy CrossCountry Mortgage
Thank you and we appreciate you trusting us to beat the competitor that you initially started with.

Rachael R.
01/2017
5.0
mortgage broker
  + -1 more
First time refinance customer so I was not familiar with the refinance process, requirements, anticipated timeline or what to expect. With each question I had they had an answer or obtained an answer (from appraiser and/or title company). A few hiccups with title company and Mike and his team did nothing but assure me they would handle and follow through and they did just that! Mike's team includes nothing but the best and Patrick diligently went above and beyond! The greatest customer service I've ever experienced and I promise this is the best TEAM you will ever work with!!
Description of Work: First time customer to refinance home mortgage.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$1,200

Response from Mike Murgatroy CrossCountry Mortgage
We appreciate your feedback and it is always our goal to make sure our client is happy and a raving fan. We look forward to any future opportunities for you, your family, friends, and co-workers.

Sharlene T.
01/2017
5.0
mortgage broker
  + -1 more
Awesome- I know it's a weird word choice for a mortgage provider, but Mike and team are fantastic and I have used them 4 times now. I have been a homeowner for over 30years and my husband is a real estate agent so we have had a lot of experience with mortgage companies. Most have been mediocre at best. Mike and team are the most responsive, client friendly team I have ever worked with. I have referred our two daughters and friends to Mike. Great team!
Description of Work: Refi of my home mortgage and a mortgage for a rental property.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from Mike Murgatroy CrossCountry Mortgage
We are so blessed for your loyalty and faith in us to deliver on your all your mortgage needs and your family and friends you have recommended to us.

Bradley A.
01/2017
5.0
mortgage broker
  + -1 more
I have worked with Mike Murgatroy and his team on two separate cash out refinances for home remodeling. Mike, Connie, Matthew, Monica, Andrew and Patrick were all communicative, accommodating and professional. The process was easy and everything was explained clearly. In particular, I was out of town during the second closing but a notary was made available for the signing at a convenient time and location. The rates and fees were the best I was able to find. The cost of services is the average I paid for the services ($1532 and $1590, including lender credit, but not including prepaid interest).
Description of Work: I completed 2 cash out refinances with Mike Murgatroy and his team.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$1,561

Response from Mike Murgatroy CrossCountry Mortgage
It was our pleasure to deliver again. We appreciate you sharing with others.

Paul W.
01/2017
5.0
mortgage broker
  + -1 more
Went very well and extremely quick. Very happy with Michael and his entire crew.
Description of Work: Refi mortgage

Rating CategoryRating out of 5
quality
5.0
value
4.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from Mike Murgatroy CrossCountry Mortgage
Thank you for sharing we are grateful for your repeat business.

Kim G.
01/2017
5.0
mortgage broker
  + -1 more
Fantastic. I will only work with this team going forward on all my mortgage needs. The process was fast, simple and the team helped me to understand all my options, thereby providing me with the best information to make the right decisions. This closing was the most pain-free I've ever been through. I highly recommend Mike Murgatroy and Guaranteed Rate Mortgage.
Description of Work: Mike and his team helped me to secure a complex mortgage as I purchased a second home.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

marla O.
01/2017
5.0
mortgage broker
  + -1 more
Went excellent! The team went out of their way to make everything go smooth as possible. We are very happy with the results.
Description of Work: New home purchase

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from Mike Murgatroy CrossCountry Mortgage
Thank you so much for submitting the review. It was our pleasure to educate you on how to purchase a 2nd home with a lower down payment than most think is possible with no monthly private mortgage insurance. We appreciate your business!

catherine F.
12/2016
5.0
mortgage broker
  + -1 more
Excellent company. They were very prompt and diligent with getting my mortgage together and made it such an easy process. I have used them for several mortgages now and will continue to use them in the future and refer to them as well.
Description of Work: Mortgage refinance

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from Mike Murgatroy CrossCountry Mortgage
Thank you very much for the kind words. We look forward to assisting you or anyone you know in the future.

Joe H.
12/2016
5.0
mortgage broker
  + -1 more
The transaction was seamless, easy to work with and constant communication with each other and myself. They listened to what I wanted and gave me options to decide my direction. This was my 3rd time doing business with Guaranteed Rate, there is no need to look any further.
Description of Work: The Murg team did an awesome job for me on my refinance. They beat everyone elses prices and services. No bait and switches. Very personal and professional. I will always go back to Mike and the team for my mortgage needs.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from Mike Murgatroy CrossCountry Mortgage
It was our pleasure to assist you again. You will never receive any type of bait and switch with us. If something goes off track during the loan process we make sure to handle immediately and educate/inform you on everything.

Albert P.
12/2016
5.0
mortgage broker
  + -1 more
Very well. Mike and the professionals on his team were knowledgeable, timely and trustworthy. These folks do such a good job with walking us through the loan application process. This is the third or fourth time they have served us in these matters and each time we have come away extremely grateful for their wisdom and expertise, not to mention their friendliness.
Description of Work: Loan for home purchase.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$400

Response from Mike Murgatroy CrossCountry Mortgage
Thank you we appreciate the feedback. Thanks again for trusting us to guide you on choosing the right mortgage program for your situation. Even though you have the option to utilize your VA (Veteran) benefit it didn't make sense on your scenario. Many lenders and brokers unfortunately push the government programs for their own gain and not yours.

Merrily B.
12/2016
5.0
mortgage broker
  + -1 more
Wonderfully well! Team Mike Murgatroy of Guaranteed Rate is unequivocally the most efficient and helpful team with whom I have ever worked in preparing to buy a new home...honestly, the Best of the Best! They are so well trained that they literally remove the stress of going through this process...I would use them again, in a heartbeat!
Description of Work: Mortgage procurement for purchase of new home.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from Mike Murgatroy CrossCountry Mortgage
Thank you very much for the awesome feedback! This is exactly what my team and I strive for. We are so grateful to serve you and so many others.

SANDY H.
12/2016
5.0
mortgage broker
  + -1 more
Mr. Murgatroy responded immediately to my inquiry and provided me a referral who's been wonderful to work with. Subsequently, he followed up with me to ensure all went well. I'm very appreciative.
Description of Work: I needed a referral to a title company.

Rating CategoryRating out of 5
quality
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from Mike Murgatroy CrossCountry Mortgage
It was my pleasure! you will also receive amazing results from the insurance agent I referred you. I look forward to assisting you or any of your family and friends with their mortgages needs.

Rick K.
12/2016
5.0
mortgage broker
  + -1 more
The Murgatroy team continues to deliver for our family. This is the third transaction we have completed with them and as usual, it was quick and easy, and the closing was completed almost two weeks early! We worked with Mike, Patrick, Connie, Peter, and Monica and together they were able to lock us into an incredible rate, ensure we had everything we needed for underwriter review (avoiding multiple follow-up requests), and they were available anytime to answer our questions (responding within hours if not minutes). Our attorney has even commented that he has never worked with a mortgage company that made the process so seamless. The team knows the industry and lender requirements inside and out and we would recommend them to anyone who is looking for a trusted partner when buying or refinancing.
Description of Work: We refinanced our home.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from Mike Murgatroy CrossCountry Mortgage
Thank you for trusting my team and I will all the advice and structuring of how to make your transaction work. We love being able to deliver with the best mortgage to satisfy your short term and long term financial goals.

Jennifer B.
12/2016
5.0
mortgage broker
  + -1 more
Couldn't have been better. The Murgatroy team continues to deliver for our family. This is the third transaction we have completed with them and as usual, it was quick and easy, and the closing was completed almost two weeks early! We worked with Mike, Patrick, Connie, Peter, and Monica and together they were able to lock us into an incredible rate, ensure we had everything we needed for underwriter review (avoiding multiple follow-up requests), and they were available anytime to answer our questions (responding within hours if not minutes). Our attorney has even commented that he has never worked with a mortgage company that made the process so seamless. The team knows the industry and lender requirements inside and out and we would recommend them to anyone who is looking for a trusted partner when buying or refinancing.
Description of Work: New home mortgage

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from Mike Murgatroy CrossCountry Mortgage
It was our pleasure to over deliver on your expectations and close early on such an important life event. Thank you again for trusting trust us, your family, and friends with all your mortgage needs.

June P.
12/2016
5.0
mortgage broker
  + -1 more
From the beginning of the process I felt confident that I was working with professional and qualified consultants. The process was explained to me in detail and my questions were answered promptly. Never having been through a refinance before it turns out that I was slowing things down without realizing it. The team worked with me with patience and we were quickly back on track. I would recommend Mike Murgatroy, Guaranteed Rate Mortgage to anyone based on the responsiveness of the staff and the results they deliver.
Description of Work: Mortgage Refinance

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from Mike Murgatroy CrossCountry Mortgage
Thank you for sharing your experience with the members!

Contact information

900 NW 17TH AVE, Delray Beach, FL 33445


Service hours

Sunday:
Open All Day
Monday:
Open All Day
Tuesday:
Open All Day
Wednesday:
Open All Day
Thursday:
Open All Day
Friday:
Open All Day
Saturday:
Open All Day

Licensing

Insured

Licensed*

Trade License Number
LO6441
Trade License Locale
FL
Trade License Authority
Florida Department of Financial Services
Trade License Expiration
12/31/2021
State Contractor License Requirements

All statements concerning insurance, licenses, and bonds are informational only, and are self-reported. Since insurance, licenses and bonds can expire and can be cancelled, homeowners should always check such information for themselves. To find more licensing information for your state, visit our State Contractor License Requirements page.

*Contact business to see additional licenses.


Service Categories

Mortgage Companies

FAQ

Mike Murgatroy CrossCountry Mortgage is currently rated 4.9 overall out of 5.

Sunday: Open All Day

Monday: Open All Day

Tuesday: Open All Day

Wednesday: Open All Day

Thursday: Open All Day

Friday: Open All Day

Saturday: Open All Day

Mike Murgatroy CrossCountry Mortgage accepts the following forms of payment: American Express,MasterCard,Visa
Yes, Mike Murgatroy CrossCountry Mortgage offers free project estimates.
No, Mike Murgatroy CrossCountry Mortgage does not offer eco-friendly accreditations.
No, Mike Murgatroy CrossCountry Mortgage does not offer a senior discount.
No, Mike Murgatroy CrossCountry Mortgage does not offer emergency services.
Yes, Mike Murgatroy CrossCountry Mortgage offers warranties.
Mike Murgatroy CrossCountry Mortgage offers the following services: Residential Mortgages, Purchases, & Refinances.

Contact information

900 NW 17TH AVE, Delray Beach, FL 33445


Service hours

Sunday:
Open All Day
Monday:
Open All Day
Tuesday:
Open All Day
Wednesday:
Open All Day
Thursday:
Open All Day
Friday:
Open All Day
Saturday:
Open All Day