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I was able to get a better rate than with larger unnamed banks, and Tulio and his teamed worked so hard to get us into our first home on a tight timeline. I felt taken care of every step of the way, and (especially as a first time buyer) never felt lost on what the next step was.

Jed Clair

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Everyone I spoke to was very friendly. We were also kept informed of every step along the way. When I had questions, responses were always prompt. We were given a pretty short timeframe to get approved, and I was thrilled the team was able to get it done. This is the fifth time I have purchased a home, the first time using Mike at CrossCountry Mortgage, and it was definitely the best and easiest experience.

Mollie Harlow

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I’ve personally worked with Mike 3 times and a large number of my buyer clients chose him as well. He gave us a very professional experience, great communication, on time closings and extremely competitive rates and fees. Definitely call Mike and give him a shot at helping you as a lender buy, refi or invest in Real Estate. He also offers several products to help tailor the deal to what is best for you. AND he loves Military, Teachers and Local Heroes, Thank you Mike and Team Tullio!!!

Andrew Pepper

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Mike and his Team are professional, have great communication through the whole transaction process, which is a big one for a RE Agent, and even with challenges that can come along, they always get things done!

Stacy Cunneen

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Mike is amazing! His team is amazing! They go above and beyond to help and get the job done!

Andraya Ticola

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Overall the transaction was smooth except the closing documents weren't received until the day before closing when I usually receive them a week prior to closing. I like to review the closing documents with my clints, and due to the delay, I was unable to before the closing table.

Jon Sullivan

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Mike Tullio and his team are phenomenal!! My husband and I just went through the homebuying process with them as our lender, and we were beyond impressed. They made everything extremely easy--from online documents to calling someone with questions. As first time homebuyers, we were very nervous but Mike and his staff made us feel totally confident in every decision! Huge bonus--they also granted our request for an earlier closing date. We appreciate them so much and would highly recommend them!! We will never use anyone else for a lender!

Jessica Tremaroli

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I worked with Mike Tullio and his team to help a family purchase a home in Satellite Beach. On the agent side, I was updated every step of the way, and everything had a system and was predictable. The clients were thrilled with the service

Michael Heissenbuttel

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Mike helped me on 3 total loans and on the first one I was a first time homebuyer. It's easy to be a repeat customer with him. He's a cool cat and mortgage wizard. He's wise, honest and genuine and honestly tries to do everything he can make sure you have a stellar mortgage process. And you can't forget about his team, no one is a one man anything. Teamwork makes the dream work and his team is one of the best out there!
Out of those 3 loans, this guy helped me buy my first investment properties and achieve my goal of becoming a landlord and then some. I will always be grateful. Highly recommend, 10/10.
* PS - He used to be an English teacher so sometimes it's fun to play around with your vocab and grammer with him =P

CA!Bradenton, FL

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I'm all about getting to the finish line. Mike and his CCM team def do all they can to make the process smooth and efficient for the client, and if/when it gets rocky, they do find a way to the finish line....and thats most appreciated. -Adam

Adam Cuffaro

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Team Tullio always makes the process so easy for my clients and the communication is top notch!

David Crawford

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Mike and his team were great. They made everything easy and I would highly recommend them

Brittany O'Connor

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This was the first mortgage we've had to get in many years and Mike and his team were great, working with us through the process and responding very quickly to questions or issues that came up. Would repeat.

Donald ScattergoodSarasota, FL

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Made our home buying go smoothly and quickly. We were kept up to date on each step and knew he made sure we knew exactly what we needed to do and had help if we needed it. We would definitely use him again in the future and will recommend him ...

J. YoungSarasota, FL

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Very responsive, great staff, great service. Really helped me understand the specific impacts of rising interest rates, helping me avoid a panic and helping me make the best possible decisions. Totally and completely happy I went with Mike Tullio and his team.

Chris J.Satellite Beach, FL

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I have used Team Tullio for two separate transactions and both times they were competitive and got me closed on time! Everyone on the Team is very knowledgeable and helpful along the way. Thank you again for your services.

Kendall WilliamsBradenton, FL

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We purchased a vacation home, and Mike Tullio and his team were extremely helpful every step of the way. They executed the closing within the promised time limit and made the whole process very comfortable. It was so easy that we decided to refi our current home as well. I would recommend them wholeheartedly!

Jukka PalonenHolmes Beach, FL

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Mike Tullio and his team provide OUTSTANDING service! From the first phone call to the final loan closing they were professional, knowledgeable, and helpful. Mike is respectful and very personable. He returned my phone calls timely and answered my questions in a supportive and encouraging manner...felt like I was his only client! The loan application process and appraisal went smoothly and we closed one week early! I highly recommend Mike Tullio and his team...they are AMAZING!!

RhondaSaint Petersburg, FL

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Always responsive and the entire team is very professional. I wouldn’t hesitate to recommend the team unconditionally. They have my gratitude for a seamless experience.

mmsdds1Bradenton, FL

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Mike and his team have a rare combination of character, integrity, expertise, and patience. I highly recommend them to anyone looking for a mortgage loan. I wouldn't use anyone else.

colby153Myakka City, FL

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Mike Tullio was highly recommended to my wife and by our buyer's agent and he exceeded all expectations.
Since we were out-of-state our major concern was to have a mortgage broker who was reliable, efficient, timely, and communicated well so that we would close on time. He always returned calls and emails promptly and no questions or problem was too small for his personal attention. Furthermore, Mike had told us that due to our large down payment an appraisal wouldn't be required and when that turned out to be incorrect he took care of the cost himself so that we wouldn't have to pay for it. He's a stand-up guy for his customers. Mike came through for us on all counts. We highly recommend him.

Vincent LonghiSarasota, FL

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Mike did a great job from start to finish. I knew when beginning the process that I could trust mike to get this to the finish line. Mike is very competitive with his rates, I checked around with a couple of other lenders and he beat them all. Thank you to Mike and his team for taking care of us like family.

Garrett and Jorja AeSarasota, FL

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Mike and his team have streamlined the painful process into a smooth, well oiled machine. My family and I have used him to re-finance 2 mortgages. Not only did we get an excellent quote, but both transactions were very simple. His team is excellent and attentive. Strongly recommend his services!

Ivan IslamajNorth Miami Beach, FL

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Kind, professional & efficient team. The process was smooth and streamlined. Responsive teamwork allowed for aquick closing. Definitely would recommend and will obtain services in my next real estate finance needs.

Eva Lamiano & Eran WBradenton, FL

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Mike was excellent in the way he handled my refinancing. He has a calm and positive demeanor and that is an asset when dealing with a mortgage that can be so confusing and nerve-wrecking for a client. His honesty is commendable.

RomaSarasota, FL

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This was a simple, straightforward process - much different than past experiences with other lenders/brokers. Electronic uploads of relevant documents only and prompt response time. I would absolutely recommend Mike Tullio and his team.

Alison HSarasota, FL

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We recently purchased a home in Florida while living in another state, a dream we had been working towards. Our realtor initially connected us with Mike. Mike and his entire team at Cross Country Mortgage helped us make that dream a reality. The whole team was great at assisting us as we navigated the mortgage process from far away. They established a relationship with us from the beginning and we never felt like a number. They were responsive, helpful and even creative when it came time to close our loan. They went the extra mile getting documents to us and we have already recommended them to friends. 5 stars to Mike and his entire team.

Connie BEllenton, FL

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As someone that has been through this process a few times, working with Mike was a great experience! He was able to give me a solid estimate with a great rate super quickly. As per usual things popped up throughout the process and Mike and his team were agile and easy to get in touch with. Highly recommend Mike Tullio!

AngiOviedo, FL

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We had a great experience with Mike Tullio and his team at CrossCountry! Mike provided out-of-the-box ideas and the process was super smooth within a virtual/paperless environment. I highly recommend the Tullio team!

Tony GamelinSarasota, FL

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Always responsive and helpful, I use Mike for all of my mortgage needs! He’s able to find low rates and his customer service is second to none! You won’t be disappointed!

NathanRinsemaBradenton, FL

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Mike and his team were extremely easy to work with. Quick to get the job done while keeping everything as simple as possible. I have already recommended Mike to my step son for a refinance and they are experiencing the same great service that we received. Mike was recommended to me by my son because of the outstanding service that he had received on a loan and a refinance. As a whole, our entire family couldn’t be happier.

jimwhite433Bradenton, FL

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Mike and his team made the entire refi process seamless. I am so glad that we chose to go with Cross Country Mortgage and I am beyond happy to write this review. From start to finish, we closed much quicker than anyone else I know that has refinanced. In regards to customer service, Mike was always so responsive and helpful every step of the way.

Kelly RBradenton, FL

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Mike and his team where awesome to work with. They even helped me secure a short term loan with one of their business partners. They went well above and beyond to get this done. The entire team was professional and prompt with answers throughout the buying process. Thank you.

andrewrivard9Bradenton, FL

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Mr. Tullio thought outside of the box and had an answer on the transactions I was contemplating. We closed. It was great. He was open, available and communicative. Wonderful service. Got things done and knew how to when others were puzzled. Would recommend him to anyone.

Philip ShipaniHolmes Beach, FL

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Communication is important to me. It was especially important buying this house since I was located on the west coast and the time difference made everything more time sensitive. Mike and his team were friendly, knowledgeable and quick to respond to my emails. Thank you!

EricaSarasota, FL

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Mike and his team were so helpful and professional. CrossCountry Mortgage made refinancing easy! Thanks to Mike, I am saving more than I ever thought possible. 5 stars isn't enough! I would recommend them to anyone looking to buy or refinance. Great experience. Great company.

Bill ZarrellaBradenton, FL

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We purchased a home in July through CrossCountry Mortgage and Mike Tullio and his amazing team. They made the whole process seamless and answered a myriad of questions from us with courtesy and timeliness. If you want a mortgage lender who will work with you and your budget, let Mike Tullio's team help you!

cbspirdusoBradenton, FL

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Mike and his Team are excellent to work with! They are courteous, punctual and do what they say they are going to do. Working with them was a pleasure!

The Cornish FamilyBradenton, FL

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Mike and his team made the whole experience seamless from start to finish. I always knew where I was in the whole process. Always available to answer questions. Exceptional customer service thru it all. Would highly recommend.

lvmylatte4Bradenton, FL

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Mike Tullio definitely want us over with his continual help, communication, and friendly personality as we were able to buy and sell our homes. I would highly recommend him as he was efficient and kind. You’re not gonna find better help anywhere else

JenniferBradenton, FL

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Mike and his team are incredible. The entirely digital process made my closing easy. I always knew where I was in the process. I would recommend Mike and his team to anyone looking to close on a new home 🙂

Corey CurytoBradenton, FL

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Great working with Mike. He was always available, professional and knowledgeable. Went out of his way to help us and make sure everything was done on time and correct. I would highly recommend Cross Country Mortgage.

tevdave47Bradenton, FL

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Mike and his team did a great job with my refinance. Not only did they offer a better rate than the "big banks", they had exceptional customer service. Would recommend CrossCountry to anyone!

aneum20Sarasota, FL

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Mike was extremely knowledgeable, patient and responsive. A very good experience from beginning to end of the process. Everything went as expected.

rlhcarpediemWimauma, FL

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I've known Mike Tullio for quite some time. We have a great referral relationship. When it came time to do my personal refinance there was no question on who I should go with. He always puts his clients needs first. He tells you how it is with no sugar coating. He's great at thinking outside the box and helping you look towards the future. I recommend Mike and his team for all of your mortgage needs.

Matt B.Sarasota, FL

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Mike Tullio and his team were absolutely wonderful during the entire process. As a business owner, there are usually hoops we need to jump through to process a loan, but they were direct, diligent, and very honest the entire process. I would absolutely recommend Mike to anyone looking for a hard working, intelligent broker!

anthony2759Bradenton, FL

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I would highly recommended Mike and his team to anyone! They are hard working, very informative, extremely professional, phenomenal customer service, and one amazing first class experience!

jeremytuttle10Bradenton, FL

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We had a challenging mortgage to refinance but Mike and his team were great! They took the lead in resolving everything! I highly recommend Mike Tulio and his team!

Jesse CSarasota, FL

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Mike was a real pleasure to work with.I hadn’t purchased a property in many years and was apprehensive, but he made the process so easy. Competitive pricing, very friendly, knowledgeable, responsive, and accommodating ( and his staff). He kept on top of the constantly-changing rates and was able to get me the lowest at the time. Would not hesitate to recommend Mike and his team to anyone.

darcy39494Sarasota, FL

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Mike made refinancing our mortgage easy. He was quick to answer all of our questions and made something that is usually overwhelming very stress-free. We highly recommend him!

kmn013178Sarasota, FL

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Mike was incredible to work with! He was always there to answer the 10,000 questions I had, and made the stressful process of buying a house enjoyable and easy. Would HIGHLY recommend. You will not find a more professional lender out there.

KimberlyMyakka City, FL

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Mike is professional, honest, organized, and very easy to work with. He went above and beyond to make sure we got the lowest rates and had little to no costs at closing. We have worked with Mike on other occasions and he is a trusted resource for finding creative financing for those who may need non-traditional loans. He made the process was so simple! As an added bonus, he has a great sense of humor!

Matt SVenice, FL

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From beginning to end of the entire buying process it was absolutely flawless and painless with Mike and the Cross Country Mortgage team! Mike pulled out all the bells and whistles to get me the best rate on my mortgage and he was so quick to respond to any questions that I randomly emailed over on a daily basis. Honestly, I can't imagine a better experience with anyone else. They went above and beyond for me and I could not be any happier. Thank you so much Mike and team!

Maegan BBradenton, FL

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Mike and his team were a pleasure to work with and made our experience as first time home buyers as easy as can be! They were great communicators and explained everything clearly! It felt like they were truly in our corner as we bought our first home.

Lily BradshawBradenton, FL

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This is the second time I have worked with Mike Tullio and he again exceeded expectations. I have worked with many brokers over the years, primarily in the NY market but also in Florida and Mike stands out for his professionalism, his knowledge, as well as his integrity and character. I would recommend Mike Tullio to friends and family and I will certainly use his services again.

Laura MattiaSarasota, FL

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This was a very easy process and a great experience for me. Losing a husband is very tough and a rough situation at the same time. Mike Tulio's team are all Angels in disguise. Everyone that I've encountered was super nice and professional. They explained each step as it progressed. It was a very intelligent move for myself to refinance as I now am able to breathe a bit easier. I am so thankful for the effort and personal consideration I was given. HIGHLY recommend them to anyone needing to refinance!

LesleyBradenton, FL

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As a first time home buyer, my husband and I could not have asked for a better experience. After trying to deal with our bank (which was terrible) we were recommended to Guaranteed Rate. I am so glad I had the pleasure of working with Mike and his team. They were extremely attentive, knowledgeable and available to answer any questions. They worked with us, since my husband was self-employed at the time, and helped us figure out another option to get our loan approved. We couldn't be happier in our new home, and I would recommend Mike and his team 100 times over! Really Top-Notch service!

Nicole MartelBradenton, FL

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Mike Tullio takes pride in his Team and he should!! I was provided his name and number for financing my home in Florida (I’m from New York). He and his team got me an awesome rate, provided guidance from start to finish and basically took me step by step through the entire process -communicating along the way. I would recommend this fine tuned team to friends, family and anyone who needs financing. They were truly excellent!

pelliott0635Venice, FL

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When I decided it was time to buy my home my Realtor said "Mike Tullio and the group at Guaranteed Rate" are the best in the business. That was no lie, Mike Tullio lead me through the loan pre-qualification and right through closing of the loan on my new home. Mike answered or returned my phone within the hour, that's incredible! The entire home buying process was so completely pleasant and enjoyable Thanks to Mike Tullio and Guaranteed Rate. He has a customer for life and a reference for all who will listen. Many Many Thanks Mike!!!

RobertSarasota, FL

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Mike and his entire staff hands down was the most professional group I have ever had business with. I would highly recommend anyone dealing with Mike and his staff on any level on their lending needs

kduker473Palmetto, FL