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Crossroads Home Loans



Buying a Home in Ohio?

Welcome to Crossroads Home Loans, NMLS 252654, MB 803916. Based in Medina, Ohio, we are a full-service mortgage company dedicated to helping homebuyers find the right financing solution.

Our experienced mortgage professionals work one-on-one with every client to compare loan programs, competitive interest rates, and lending options, ensuring you have the information needed to make a confident decision.

Our online application is simple, secure, and designed to make the home loan process fast and convenient.

When you're ready to purchase a home, contact Crossroads Home Loans to explore your options and secure a competitive mortgage rate.

Home Purchase Loan Programs

We offer a wide range of mortgage solutions, including:

  • FHA Loans
  • VA Loans
  • USDA Loans
  • Conventional Loans
  • Fannie Mae High-Balance & Jumbo Loans
  • First-Time Home Buyer Programs (Freddie Mac & Fannie Mae)
  • Commercial Loans

Looking to Refinance?



Whether you're looking to lower your interest rate, reduce your monthly payment, consolidate debt, or access your home's equity, we have refinancing options to fit your goals.

Refinance Programs

  • FHA Streamline Refinance – Lower your interest rate with no appraisal required.
  • FHA Cash-Out Refinance – Access your home's equity or consolidate debt.
  • FHA 203(k) Loan – Finance home renovations with as little as 3.5% down.
  • VA IRRRL Streamline Refinance – Lower your rate with no appraisal required for eligible VA borrowers.
  • VA Cash-Out Refinance – Borrow up to 100% of your home's value.
  • Rate & Term Refinance – Refinance your existing first mortgage to improve your loan terms.
  • Conventional Refinance – Traditional refinancing options for qualified borrowers.
  • USDA Refinance – Streamline refinancing for eligible rural property loans.
  • Commercial Refinance – Financing solutions for office buildings, retail properties, apartment buildings, and other commercial real estate.
  • Fannie Mae High-Balance & Jumbo Refinance – Refinancing options for larger loan amounts.

Contact Crossroads Home Loans

Contact Crossroads Home Loans, a DBA of Crossroads Financial of NE Ohio, LLC, NMLS 252654, MB 803916, to discuss your mortgage financing options. Our team will help you determine which loan program best fits your financial goals and homeownership needs.

Proudly locally owned and serving homebuyers and homeowners throughout Ohio from our office in Medina.

If you'd like, I can also make this more SEO-friendly for your website by incorporating keywords such as "Ohio mortgage lender," "Medina mortgage company," and "home loans in Ohio" naturally throughout the content.

Mortgage Payment Calculator

Calculate how much your monthly mortgage payment could be.

* Results are hypothetical and may not be accurate. This is not a commitment to lend nor a preapproval. Consult a financial professional for full details.

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What our clients say about us!

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"Lisa and Crossroads Financial did great job of securing a mortgage with a great interest rate for me. They also did a great job of expediting my loan and were extremely knowledgeable and professional, with all facets of the mortgage loan process." Service Category: Mortgage Broker Year first hired: 2012 Top Qualities: Great Results, Expert, Creative
- Eric $.
- Highly likely to recommend 11/11/2013 -Bought a Single Family home in 2013 for approximately $225K in Hinckley, OH.Local knowledge:Process expertise:Responsiveness:Negotiation skills: Lisa was a pleasure to work. She is very professional, knowledgeable and a genuinely nice person all around. She went the extra mile to help us secure the mortgage loan for our dream house. She was willing to meet with us on a Sunday afternoon, so that we could get the first offer in since our pre-approval from another lender had expired. She helped us through every step of the process. We would highly recommend her services to anyone looking to secure a home loan. Even if you think its impossible Lisa can find a way to get it
- Jenny 2.
Ted in Medina Bought a Single Family home in 2013 for approximately $175K in Medina, OH. Local knowledge: Process expertise:Responsiveness: Negotiation skills: Lisa was a true pleasure to work with. She's knowledgeable, professional and tireless when it comes to getting your loan done. Lisa handled the financing of our new home and refinance of our existing home concurrently and did so in excellent fashion. We were able to close and be in our new home sooner than expected thanks to her efforts. Great communication, superior follow up, and all around super star!!!
- Ted 2.
"lisa and the team at crossroads have been, in my experience, phenomenal to work with! They are understanding and responsive and I know that my buyers are in good hands working with them! Lisa is knowledgable and maintains a positive and professional attitude throughout every transaction!"
- Jennifer O.
Details of the Recommendation: "Lisa was very thorough and professional when helping my wife and I secure that best mortgage package available on the purchase of our first home. Lisa was extremely friendly and outgoing in making sure we understood the process and had the information relevant to the purchase of our new home!" Service Category: Mortgage Broker Year first hired: 2010 Top Qualities: Personable, Expert, High Integrity Columbus OH
- Danny K.
"I can always count on Lisa to provide top notch service to my clients. Her company provides a variety of loan products and Lisa works hard to make sure my clients are getting the best loan product for their situation. Lisa has a great track rate for getting loans closed on time and effeciently, I know my clients appreciate her attention to detail and her communication skills." Service Category: Mortgage Banker Year first hired: 2010 (hired more than once) Top Qualities: Personable, Expert, High Integrity
- Pam O.
Lisa Puto is at the top of her game in the Mortgage Industry, but I'm not surprised, she would excel in any Industry. Her drive and determination is overwhelming
- Tammy R.
"I was extremely pleased with Lisa's handling of the closing on my house. So much so that I then returned to Lisa when I was interested in refinancing my home. She is diligent, hard working, and has a great work ethic. I would highly recommend anyone to do business with her." Service Category: Refinancing Year first hired: 2007 (hired more than once) Top Qualities: Personable, Expert, High Integrity
- Krysty O.
"Lisa is one of the most dedicated loan officers I've ever worked with. Her attention to detail and her desire to get the very best possible loan product for my clients is always her main priority. Lisa has gone above and beyond what is expected from a loan officer to help a client with financing. Her knowledge of all the loan products available is amazing. She is truly a professional in every sense of the word." Service Category: Loan Officer Year first hired: 2006 hired more then once consistently Top Qualities: Expert, High Integrity, Creative Reply to message
- Jan R.
"Lisa has been a important part of the growth of The Sales Team. Her ability to find the best loans for our buyers has helped us close more sales then if we were with other mortgage officers who might have given up. She has an amazing personality and we recommend her to all of our buyers looking for refinancing or new puchase home loans!"
- Greg O.
"Lisa has worked with First American Title on many real estate transactions. I have found her to be very responsive to the needs of the customer. She communicates often with all parties involved and is always professional and caring in her behavior. I highly recommend her as a loan officer."
- Freida R.
Lisa is the best!! She cares so much and will follow through on everything you need. She works around the clock for her customers and will find the best loan for your needs!! She has done it for me and it was a great experience. I always recommend Lisa!!!2013
- Tricia C.
Lisa helped me so much with the purchase of my first home. She gave me excellent advice, explained everything, was easy to reach, responded immediately, and helped me get a good rate. I'll definitely be back in touch when it's time to relocate.
- PL O.
Closed refinance loan. Strongsville, OH Responsiveness:Knowledgeable:Helpfulness:Follow Through:We had Lisa as our saving grace when we were refinancing our home! We had a few bumps in the road and she fixed every single issue for us right away. She was on top of her stuff and she was so knowledgeable. She was there for us and wanted us to get our loan. If it wasn't for her knowledge and direction, our refinance wouldn't have came through. She is wonderful to work with and I am so glad that we went through her! We couldn't have done it without her!
- 2.
As a full time Realtor and Medina County Board of Realtors President for 2011, I have had real experience with alot of lenders, some good some bad! I have worked with Lisa Puto for more than 6 years and no one I have ever met in the lending industry works as hard as she does to get our client the best program possible. From no money down USDA to 203K Renovation Loans. Most lenders wont't touch them, they are that involved and time consuming, but so worth it for the client. Lisa does them everyday. She is my go to girl, if she can't get it done it can't get done. Any lender can manage an FHA or Conventional Loan, it takes a really good lender to pull off the the challening loans in this market. Try her, you will love her!
- T R.
$500k in Medina County. Lisa Puto of Crossroads Financial of Northeast Ohio, LLC has provided us with nothing short of exemplary service. We have had the opportunity to use Crossroads three times; twice for buyers who wanted to purchase investment properties my husband and I had refurbished, and once for ourselves. Both sets of buyers needed Lisa Puto's expert advice concerning credit and she found them phenomenal loans that fit their needs. The last time we had the pleasure of using Lisa, it was to purchase a new home for ourselves. The entire process took 2.5 weeks which is unheard of anymore! She made it easy for us to submit paperwork electronically which sped up the process and saved us from having to go back and forth to her office. She was very knowledgeable and helpful throughout the entire loan from signing to completion. We would recommend her to anyone!
- westfield
10/5/2007 We are writing this letter to tell you about your team. Thank all of you for all your hard work for getting us the house, that we looked so long for – and when others said they could do it and couldn’t. You made all of my family feel very special and not like we were just another loan number. This was a very tough loan to do. There were times that my family and I didn’t think we could get through. Now that we got the house I will never forget the kids faces when we told them that we got the house. Their face lit up like a Christmas tree and had big smiles ear to ear. We are all so exited and looking forward to our new house and it all would not be possible if it was not for Lisa and all the team. We want to say Thank you. Respectfully, Scott C.
- Scott R.
2006/ March To whom it may concern, I wanted to write a letter letting you know how much we appreciated the help Lisa Puto. If were not for Lisa’s expert knowledge and professionalism we would not have been able to purchase the home we now live in. A few years ago my wife and I fell on some really hard times, our 5 year old son was in a very serious car accident and we almost lost him. My wofe found a home she was interested and sent an email asking about the home. About 15 minute later she received a call from the realty company asking my wife about buying a home so my wife explained to her what had happened and she gave my wife a phone number and asked her to call and see if anything could be done. Well the good lord must have been smiling down on us because it was Lisa’s phone number. My wife told me about the conversation and I told her I didn’t believe any of it. I was totally surprised and very apprehensive when Lisa told me we could qualify to purchase a home.I am convinced that without her I would still be renting and living with the thought I would never own again. Sincerely, Dave R
- Dave R.
2006 You took the time to explain everything and simplified the process. The grant program through the State was a great option and thank you for closing our home two weeks earlier then to be expected. I referred you to all my neighbors, work associates and friends and although I work at a bank when anyone talks about needing a mortgage, I think of you. Thank you for taking the stress out buying our home and simplifying it for us. Kim
- Kim S.
As a full time Realtor and Medina County Board of Realtors President for 2011, I have had real experience with alot of lenders, some good some bad! I have worked with Lisa Puto for more than 6 years and no one I have ever met in the lending industry works as hard as she does to get our client the best program possible. From no money down USDA to 203K Renovation Loans. Most lenders wont't touch them, they are that involved and time consuming, but so worth it for the client. Lisa does them everyday. She is my go to girl, if she can't get it done it can't get done. Any lender can manage an FHA or Conventional Loan, it takes a really good lender to pull off the the challening loans in this market. Try her, you will love her! - Highly likely to recommend
- client B.
Follow Through: Lisa Puto has handled the financing of two houses we purchased as investment, a re-finance and the purchase of a new home, for us. We have had the pleasure of working with her on these items over the last seven years. Lisa takes each application and loan process personally; taking the time to get to know the client and explain the convuluted and often changing world of finance. We have recommended her to four other families, and each has experienced the professional, positive caracteristics that we have.
- john B.
Thank you ! Thank you ! Thank you ! What we have heard others say is an emptional and drainign process you made effortless and smooth, I cannot begin to tell you how much we appreciated your time knowledge and assistance to get us through our most exciting time of our life.Janeen
- Janeen
Very pleasant and easy to work with on the refiance of my home . I would recoemmnd her to anyone . thought you would want ot know of your valuable employees who care!
- Karen
thanks for all the "Smart" work and professionalism. appreciated it was completed so quickly when we hear how sressful adn long it was for others. We were hesitant but you pulled through!
- John S.
Thank you for being so courteous , kind and efficient . Your confidence in the outcome pulled us through.
- Pierce
After three years, I finally got the keys to my new home. Lisa was there with me thru every lost bid and house not passing inspection with a positive attitude even when I was about to give up. The "one" came and then we had to close quickly, Lisa and Hilda made sure that happened. I can't thank them both enough. Tracy from Wadsworth OH
- Tracy W.
To All~ Thank you, thank you, thank you. This whole adventure seemed to be riddled with so many unforeseen events with the contract. I just want to let everyone know how much I appreciate everyone’s hard work in getting this accomplished. Thank you again Sincerely, C
- c O.
Lisa thank you Lisa for all your hard work !!!!!!!! We are really excited and cant wait . Without you I do not think we would have ever gotten financed. I do not know if people tell you enough but ! thank you to your team .
- Denny S.
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(800) 413-5857

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Begin the process by calling us today or fill out an online application. For a start, we make the process hassle-free. Not to mention, closing can be as convenient as e-signatures with an online notary at any location! Loan Advisors are standing by 7 days a week to help. Above all, we will find the loan program that fits your individual financial goals. So, let’s get started!

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