Your Loan Officer & Lender
Adam Crum · Senior Loan Officer
Individual NMLS ID #1787074
CrossCountry Mortgage, LLC
Company NMLS ID #3029
Branch NMLS ID #2686382
1864 Winchester Ave, Martinsburg, WV 25405
304.268.8864 · adam.crum@ccm.com
Adam’s employer profile lists individual licensing in Florida, Maryland, North Carolina, Pennsylvania, Virginia and West Virginia. National program availability does not mean Adam is licensed in every state.
Company State Licensing
These are CrossCountry Mortgage’s company licenses for the states listed on Adam’s profile. They are separate from his individual NMLS identifier.
- Florida
- Mortgage lender / servicer: MLD806.
- Maryland
- Mortgage lender: 3029. Regulator: Commissioner of Financial Regulation.
- North Carolina
- Mortgage lender: L-142902. Regulator: Commissioner of Banks.
- Pennsylvania
- Mortgage lender: 31242. Mortgage servicer: 66487.
- Virginia
- Mortgage lender and broker: MC-4072. Regulator: Virginia State Corporation Commission.
- West Virginia
- Mortgage lender: ML-31213. Mortgage broker: MB-34216.
Equal Housing Opportunity
CrossCountry Mortgage, LLC is an Equal Housing Opportunity Lender.
Read CCM’s fair-lending statement and official disclosures ↗
Calculator Assumptions & Limitations
These tools support budgeting and education. Results are not a credit decision, preapproval, Loan Estimate, rate lock or commitment to lend. Credit, income, assets, property, program rules and underwriting determine actual eligibility and terms.
- No current interest rate is supplied. Enter your own scenario assumption; starting cost allowances are editable examples, not current CCM pricing. Interest rate and APR are different; these tools do not calculate APR.
- Payment illustrations use fixed-rate loan assumptions. Taxes, insurance, mortgage insurance and HOA charges can change. Include any flood insurance, assessments or other property costs that apply.
- ZIP tax estimates use Census area statistics scaled to a home price. They are not a tax assessment, property-specific bill or insurance quote. ZIP lookup does not estimate closing costs.
- Closing-cost allowances are hypothetical. Actual fees, prepaid amounts, escrow deposits, eligible credits and funds due depend on the property and transaction.
- Mortgage insurance and program fees depend on the loan. Conventional PMI estimates are not insurer quotes. FHA insurance, VA funding fees and USDA guarantee fees have separate rules.
- Equity projections are scenarios, not forecasts or profit guarantees. Home values can fall. Equity includes your initial down payment and may be reduced by selling costs.
Ask Adam to review your scenario and the applicable loan disclosures before relying on the figures.
Loan Programs & Assistance
Down payment is separate from closing costs. Low- or zero-down options have borrower and property requirements; they do not promise approval or a purchase with no cash needed. Program terms, funding and availability can change.
Assistance is not always a grant. Some options create a second loan or require repayment when you sell, refinance or no longer meet program conditions. The rate and total payment may differ from a loan without assistance. Availability, funding and eligibility must be confirmed for your purchase.
CrossCountry Mortgage is a private lender, not a government agency. References to FHA, VA, USDA or state agencies describe programs and resources; they do not imply government endorsement of this website.
Privacy & Applications
Preapproval links open Adam’s CrossCountry Mortgage page, where you can start an application. This site does not accept application documents or Social Security numbers.
How information is handled on this site · CCM privacy policy ↗