Crosspoint Financial Inc

After some research, I contacted Crosspoint and spoke with Ted Driessen about a VA Interest Reduction Refi. From the beginning, Ted was very courteous, honest, and answered all of my questions clearly.
The refi process was simple, with minimal paperwork from my end. Ted was great at providing status updates until my loan was funded. Contact Ted and hear how he can help you out; I’m very pleased with my outcome and glad that I chose to work with Ted and Crosspoint!

I sought to refinance my existing VA loan with a VA Rate Reduction loan after receiving solicitations in the mail from numerous brokers. I checked out Unilocal and saw Crosspoint’s high ratings and contacted Penny. He was a pleasure to work with and hung in there despite the numerous piece-​meal requests from the bank that dragged out the process well beyond our expectations. Penny actually found me a better deal with another bank while we were waiting! He was always accommodating, communicative and pleasant and saw it through to closing. Kiddos to Crosspoint and especially to Penny.

We purchased our home in March 2014 with a VA loan. I have since received several solicitations in the mail to lower our rate. I thought these offers sounded «too good to be true» but decided to research anyway. I looked at the solicitor’s Unilocal reviews and BBB ratings and decided to go with Crosspoint as of Jan 2015. I spoke to Penny and he assured me it would be handled no problem. I received a packet from him via FedEx the very next day. From then on everything was a breeze! He lowered our rate a full percent and we were able to skip 2 mortgage payments. I can’t say enough good things about this place!

I recently refinanced my home using a VA streamline loan. I had a 4.375% interest rate and thought I was doing great. I received a flyer in the mail from Crosspoint financial Inc. which advertised a lower rate. I called and spoke with Penny Penscik who stated he could get me a loan at 3.75%. He always made it sound like it was no big production and frankly, I was skeptical. I was amazed when it all happened and how easy Penny made it for me. I’m retired and every bit of monthly savings is a big deal. Penny is great and was always there for my questions. I would definitely recommend Crosspoint Financial to anyone looking to refinance.

I live in Washington state and heard from these guys through some flyers in the mail, of which I normally toss away in the trash but due to my mortgage broker retiring recently I thought it was time to search for a new broker. I did a little online research and then made a phone call to Brian AKA «Penny» Psencik who was amazing and got me a rate that my realtor and the escrow agents were even envious of with his fast acting and professional decision making.
This is the 2^nd dealing I have had with Penny and both times I was absolutely impressed. Crosspoint financial is not some gigantic office with people that do not care but a small group of people «outstanding» mortgage brokers. I lost my last broker who was fabulous to retirement but now I have found my newest trusted mortgage advisors.
These people at Crosspoint Financial and Penny in particular make things happen with rapidity and can absolutely be trusted to make decisions on your behalf to get the best rates possible. I shopped and compared 4 other brokers and Crosspoint blew them away and got my loan funded way faster than anyone was expecting compared to local brokers. If you are on the fence and got a letter in the mail (of which I almost always toss in the garbage) this is one worth following up on and filing away for later reference. You will not be disappointed. I can’t possibly say enough good things about my 2 experiences with Penny and Crosspoint Financial, they truly are that good!

I live in San Diego but I chose Crosspoint Financial from Newport Beach to refinance (IRRL) my VA loan not once but twice.
I purchased my home in June 2011 with a 4.75% interest rate. It was the lowest back then. In Feb 2012, the prevailing rate went down to 3.75%. This is when I re-​financed my VA loan with Bill Zigler of Crosspoint Financial. I did a thorough research before I signed the dotted line. I had 3 other companies that I got with and Bill had the most credits and lowest APR interest rate. My first refinance with him closed within 30 days and I NEVER HAD TO PAY ANYTHING. My monthly mortgage payment reduced by $ 180 a month. That is at least $ 64 800 in 30 years! Even after a couple of months we still couldn’t believe that it was possible to refinance without coughing up money. All of my refinance costs were covered by the credits that Bill got for me. I even received some refund from all the credits I received.
Fast forward and came December 2012. I received a phone call from my current mortgage lender offering a lower interest rate just for being a loyal customer. I again contacted Crosspoint Financial and told Bill what my lender is offering. He did his research, gave me a WAY BETTER offer and once again no closing cost refinance (streamlined) for my VA loan. From 3.75% down to 3.37% and my monthly mortgage reduced by $ 80 a month. Again, no cost for me due to the credits that Bill found.
As long as the mortgage interest keeps on going down, I will keep contacting Bill if I ever decided to refinance my VA loan. So far, I have saved $ 260 a month from my initial 4.75% interest rate down to 3.375% that I recently got from refinancing with Crosspoint Financial. I don’t know how Bill does it but I am really glad I found him to take advantage of the low mortgage rates.

Great place to go if you are looking to refinance your home using a VA Stream line loan!!! They found us a mortgage company that lowered our interest rates and our payments significantly.