CrossCountry Mortgage Joins Next Step Network

Nationwide full-service lender to participate in the organization’s SmartMH program


Contact: Grant Beck, Marketing and Communications Manager
Phone: (202) 851-7550

LOUISVILLE, KY – November 13, 2019 – Today, Next Step Network is pleased to announce that CrossCountry Mortgage (CCM), an Ohio-based mortgage lender licensed in all 50 states, recently joined Next Step’s efforts to promote the use of affordable, energy-efficient, factory-built homes to increase homeownership opportunities.

“Next Step is excited to welcome CrossCountry Mortgage as the latest participant in the SmartMH program,” said Stacey Epperson, president and founder of Next Step Network. “With their full range of home financing, refinancing, and equity-based products, CrossCountry can help support the homeownership needs of individuals and families interested in purchasing a factory-built home.”

CCM offers an efficient in-house, system-built construction lending department that boasts low rates and fees and fast approvals. The mortgage lender provides dealers with no brokering of construction loans, fast dealer/builder approval, established points of contact, a home and profit paid-at-delivery option, fast inspections and draws, a loan application hotline, and more. The company prides itself on offering FHA, VA, and Conventional loans with underwriting that makes sense. “Participating in the system-built segment of the housing market is more than just business for me, it’s a passion,” said Tony Baca, national sales manager of MH lending. “Helping people with affordable housing and attaining the American Dream is an integral part of my career.”

Next Step members are a part of a national network of individuals, business and organizations that believe that manufactured housing is a viable, affordable, environmentally responsible solution to help solve America’s affordable housing crisis. Our members benefit from Next Step’s work to transform the manufactured housing industry. Network members are dedicated to: delivering education, removing barriers to housing, changing the image of manufactured housing, and advancing policy changes around manufactured housing finance and Duty to Serve that better benefit home buyers and communities.

Next Step’s SmartMH program connects educated homebuyers with financial institutions and manufactured home retailers to increase access to affordable, ENERGY STAR® manufactured homes with fair financing. Freddie Mac has partnered with Next Step to expand the program, while improving access to credit for prepared, manufactured homebuyers.


About Next Step® Network, Inc.
Next Step® Network, Inc. is a national, nonprofit housing intermediary that works to promote expanded use of factory-built housing as a viable solution to address housing affordability. Our organization mobilizes a national network of mission-driven nonprofits, leaders in the manufactured housing industry and lending institutions serving home buyers and homeowners in their communities. Next Step’s system – Manufactured Housing Done Right® – connects responsible financing, comprehensive homebuyer education and delivery of high-quality, ENERGY STAR® manufactured homes at scale, creating a model that brings more value to the homeowners and communities. Learn more at

About CrossCountry Mortgage
Headquartered in Brecksville, Ohio, CrossCountry Mortgage has branch locations across the United States. Founded in 2003 as a mortgage broker, CrossCountry has expanded their mortgage-based solutions and are now a Freddie Mac, Fannie Mae and Ginnie Mae Approved Seller/Servicer. CrossCountry has been recognized on the Inc. 5000 List of America’s Fastest Growing Private Companies as well as the Weatherhead 100 list of Northeast Ohio’s Fastest Growing Companies for four years in a row. Learn more at