The Steve Medina Team - CrossCountry Mortgage

Directions Website

The Steve Medina Team - CrossCountry Mortgage Mortgage Lender to First Responders 🇺🇸
Former Detective and Crisis Negotiator
NMLS # 1900697 Licensed Mortgage Banker – NYS Department of Financial Services.

I spent years in law enforcement, serving as a financial crimes detective and FBI-trained crisis negotiator in California. My work centered around high-pressure situations where clear thinking and calm communication mattered. Today, I serve homebuyers and real estate agents as a mortgage advisor. I help clients navigate the mortgage process with clarity, steady guidance, and direct communication. CrossCountry Mortgage, LLC does business in the State of New York as CrossCountry Financing. CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval. Certain restrictions apply. Call for details. Certificate of Eligibility required for VA loans. NMLS3029 (www.nmlsconsumeraccess.org). Equal Housing Opportunity. Personal NMLS 1900697
Branch NMLS 2657804
Company NMLS 3029

*Open House* Come check out this 3-bedroom, 2.5-bath home in the Eno Trace neighborhood! Main level primary suite, cathe...
10/16/2026

*Open House* Come check out this 3-bedroom, 2.5-bath home in the Eno Trace neighborhood!

Main level primary suite, cathedral ceilings, a cozy fireplace, spacious kitchen, and a large backyard deck.

Recent updates include a new roof (2024), garage door (2026), and fresh exterior paint.

This neighborhood has a pool, playground, clubhouse, and low HOA fees. And you're just steps from a walking trail and Eno River!

📍 Durham, NC | Eno Trace
đź“… Saturday, October 17
🕜: 2PM-4PM

Stop by and take a look!

Open House TodayA well-preserved 1948 cottage in Durham’s Broad Acres neighborhood, blending historic character with tho...
09/11/2026

Open House Today

A well-preserved 1948 cottage in Durham’s Broad Acres neighborhood, blending historic character with thoughtful modern updates. Oak floors, a fireplace, screened porches, a custom kitchen, and details that make this home stand out.

Designed by Archie Royal Davis’s firm and recognized by Preservation Durham.

📍 1837 Forest Rd, Durham, NC 27705
4–6 PM today

09/11/2026
07/07/2026

🤔

The market gave buyers and homeowners a little breathing room this week.Treasury yields moved lower, which helped ease s...
06/08/2026

The market gave buyers and homeowners a little breathing room this week.

Treasury yields moved lower, which helped ease some pressure on mortgage rates. That can create a better window for buyers trying to improve affordability and homeowners who may be watching for a refinance opportunity.

But here’s the part to watch.

The jobs report came in stronger than expected last Friday. That matters because the Fed is paying close attention to the labor market. When hiring stays strong, the Fed may feel less pressure to cut rates quickly.

So yes, the rate environment improved, but that does not mean rates will move down in a straight line.

Inflation, oil prices, and the broader economy are still going to play a major role in where rates go next.

For homeowners, this is also a good time to know what your home may be worth. Your home’s value is usually based on recent sales nearby, condition, location, updates, and current buyer demand.
I’m linking an article below that explains how to get a better idea of your home’s value.

Whether you’re buying, refinancing, or just trying to understand your options, it helps to know your numbers before the market moves again. Have a great week!

Discover how to calculate home equity, borrow against it, and explore home equity loan options like a HELOC or cash-out refinances to meet your financial goals.

06/05/2026

You can say the right thing the right way, and still not be heard.
One thing I learned as a crisis negotiator is this: communication is only effective when the other person is open enough to receive it.

Buyers and sellers are still dealing with the same big theme: affordability.Rates are still feeling stubborn, the Fed is...
06/01/2026

Buyers and sellers are still dealing with the same big theme: affordability.

Rates are still feeling stubborn, the Fed is still watching inflation closely, and buyers are paying attention to the monthly payment more than ever.

But here’s something interesting: new construction has become a bigger part of the housing conversation.

That doesn’t mean every buyer should build or buy new. But it does mean this: you may have more options than you realize.

For buyers, the goal is to know your numbers before going shopping. Whether you buy an existing home, a new build, or decide to build from the ground up, the payment has to make sense for your life.

If building has ever crossed your mind, a construction loan may be worth exploring. It can help finance the land and the build, but the key is having the right plan upfront.

For sellers, buyers are still moving, but they’re moving carefully. Pricing, presentation, and strategy matter.

I’ll include an article below on how a construction loan works. Have questions about construction loans or new builds? Send me a message. A little planning upfront can save a lot of confusion later.

Learn how to get a home construction loan: the types, qualifications, and application process to finance building your dream home. Get started today!

05/27/2026

Most people don’t listen. They wait for their turn to talk.

In crisis negotiation, active listening is not about having the perfect response. It is about slowing down long enough to understand what someone actually means before you give advice, defend yourself, or make your point.

When people feel heard, conflict becomes easier to resolve.

05/22/2026

There were some important crisis communication lessons in this clip.

Watching this interaction, these officers did several things well from a crisis negotiation standpoint.

First, they asked her name.

In a moment where someone may feel invisible, asking their name makes them a person again.

Then the officer gave his name:

“My name is Nicholas.”

That brings the interaction back to human-to-human, not officer-to-subject.

They also kept the message simple:

“We care about you.”

“We don’t want to see you hurt yourself.”

They were not arguing with her. They were trying to reach the part of her that could still feel connection.

One of the strongest moments was when they asked permission before moving closer.

“Can I come closer?”

That matters.

Rushing her or grabbing too soon could have ended very badly. Asking permission gave her a sense of control in a moment where she probably felt like she had none.

They also reassured her she was not going to jail and that she was going to the hospital to get help.

That reduced fear and gave her a path forward.

The only thing I would be careful with is saying, “We can fix it,” or “Anything is better than this.”

In crisis negotiation, you want to avoid overpromising.

A better phrase might be:

“I don’t know exactly how we fix this yet, but we can take the next step together.”

Overall, great teamwork by these officers.

Calm voices. Human connection. Permission-based movement. Reassurance.

They didn’t make it about control.

They made it about connection.

Source: NYPDNews bodycam footage from Brooklyn high-rise rescue.

05/21/2026

How To Tell Someone Bad News

Address

7806 NC-751 Highway, Suite 150
Demorest, GA
30535

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Alerts

Be the first to know and let us send you an email when The Steve Medina Team - CrossCountry Mortgage posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share