Josh Osborne - CrossCountry Mortgage

06/04/2026

Fair warning!- I let AI take the wheel on creating this image… I will let you be the judge on how well it turned out😂

I’ve been in the mortgage space for over 16 years, and if there’s one thing I’ve learned, it’s that this business is about people, not just numbers.

I’ve built my business around relationships. I take the time to truly understand my clients, their goals, and what homeownership means for them, not just what they qualify for on paper.

Over the years, I’ve been fortunate to help thousands of families get into homes that actually make sense for their lives and their long-term financial goals.

When I’m not working with clients, you’ll find me staying active, spending time with my family, and always looking for ways to grow both personally and professionally.

At the end of the day, I’m here to be a resource, whether you’re ready to buy now or just starting to explore what’s possible.

Turning transactions into relationships, one home at a time.

05/28/2026

Rates are high. We get it. But here is the thing most buyers do not realize — waiting for rates to drop could actually cost you more in the long run. Home prices keep climbing, competition comes back the moment rates fall, and the window you have right now to negotiate and win quietly disappears.

So we built a solution.

Buy your home now with Josh and the team and when rates drop and you are ready to refinance we will waive up to $1,500 in lender fees when you come back to us. No gimmicks. No fine print surprises. Just us making sure that buying now does not feel like a gamble.

You get into the home you want today at today’s prices. You get the lower rate when the market gives it to you. And you get $1,500 back in your pocket when you refinance with us.

That is how you win in this market.

If you have been sitting on the sidelines waiting for the perfect moment — this is it. Send us a message, give us a call, or head to ApplyWithJosh.com and let’s get you moving.

05/26/2026

Let us be honest, nobody is thinking about their monthly payment when THIS is what they wake up to every morning.

Lake house? Waterfront property? A view that makes your friends invite themselves over every single weekend? Yeah. We can make that happen.

Josh and the team specialize in turning “I wish” into “I own”… and we make the whole process embarrassingly easy.

So if you have been saving this video and watching it on repeat from your apartment… that is your sign.

Comment LAKE below or send us a message, and let’s get you into a home worth waking up for! 🏡🌊
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05/22/2026

5.0 star review received on Experience.com for Josh Osborne by Luis D C M - Communication was great and overall experience was very good.

Click to see all 394 reviews of Josh Osborne at CrossCountry Mortgage, Regional Vice President | NMLS #473258

05/20/2026

We know that when it comes to buying a home, rates can feel like the biggest factor standing between you and your decision to buy. But let me tell you something, this is actually YOUR time to shine.

Here is why. Right now there is a much smaller pool of buyers in the market competing for homes. And just to put it into perspective, every 1% drop in rates brings roughly 5 million new buyers flooding into the market. That means less competition, more negotiating power, and more opportunity for YOU right now.

So what is the solution? We have got you covered.

The 3-2-1 Buydown This is a program we are using a lot right now where the seller buys down your interest rate for you — 3% lower the first year, 2% lower the second year, and 1% lower the third year. You get into your home at a significantly lower rate while the market does its thing.

Buy Now, Refi Later When rates drop and you are ready to refinance, most lenders will hit you with hefty fees. Not us. Through our Buy Now Refi Later program we will cover $1,500 of our internal fees when you come back to refinance with us, because getting you into your home is just the beginning of our relationship.

The bottom line? Marry the house. Date the rate.

Rates will change. The right home might not wait. Let’s get you into it now and set you up to win later.

Drop a comment, send us a message, or give us a call… Josh and the team are ready to help you make your move!

05/18/2026

5.0 star review received on Experience.com for Josh Osborne by John A - Josh worked and worked to find a way through some challenging situTions, and finally got us into the exact house we were hoping for.

Click to see all 393 reviews of Josh Osborne at CrossCountry Mortgage, Regional Vice President | NMLS #473258

05/12/2026

We specialize in non-traditional mortgage solutions — and helping self-employed buyers get to the closing table is one of our favorite things to do.

If you’ve been told no by a bank because of how your income looks on paper, that is not the end of the road. It just means you need the right lender.

Non-QM loans are built for people exactly like you. Here’s what we can work with:

Bank statements instead of tax returns 1099 only income Asset-based qualifying Higher debt-to-income flexibility Business owner scenarios

You have worked hard to build something for yourself. You deserve a mortgage team that actually knows how to work with that — not against it.

Josh Osborne and his team have helped countless self-employed buyers find a loan that fits their life. If you are ready to stop wondering what you qualify for and actually find out, now is the time.

Send us a DM or click the link in our bio to set up a free consultation with Josh. Let’s get you home.

Sioux Falls, SD | CrossCountry Mortgage

05/11/2026

5.0 star review received on Experience.com for Josh Osborne by Joshua D - Couldn't be happier with our experience!

After multiple failed attempts to work with other banks, working with Josh and his team was a breath of fresh air. No hemming and hawing here—we were approved within 24 hours! Communication is key when dealing with this much money, and Josh and his team are ON IT. Any time we had a question or concern, they got back to us right away—even while on their way to the lake!

We can't thank Josh and his team enough for everything they did for my wife and I. Thanks to them, we're now homeowners! This allowed us to get our daughter moved to Sioux Falls, closer to the medical care she needed after experiencing a cerebral cavernous malformation (CCM) at age 35.

Life throws you curve ball, but Josh and his team are straight down the pipe fastballs—and they tell you before throwing the ball! Can't thank them enough for everything.

Click to see all 388 reviews of Josh Osborne at CrossCountry Mortgage, Regional Vice President | NMLS #473258

05/11/2026

5.0 star review received on Experience.com for Josh Osborne by Alexis S - Josh worked extremely hard to help us get into our new home. He was always available for any questions we had and answered them in an easy and understandable way .

Click to see all 387 reviews of Josh Osborne at CrossCountry Mortgage, Regional Vice President | NMLS #473258