About Us

Who We Are

We are a locally owned, professionally operated mortgage company serving East Texas with personalized service, honest guidance, and clear communication. We believe every client deserves to be treated as an individual, not just another loan application. Loans and Mortgages may be hard but, "We Do It Anyways."

Our Background

Built on a foundation of hard work, service, and a genuine desire to help others, our company grew from more than 15 years of experience in the mortgage industry. What began as a career helping families navigate home financing has grown into a locally owned business dedicated to making homeownership possible for the East Texas community.

Meet the Team

Christopher Fussell

Reginald Cupit

Loan Options

Frequently Asked Questions

Why should I use a mortgage broker instead of going directly to a bank?

A mortgage broker gives you access to loan options from multiple lenders rather than limiting you to the products offered by a single bank. We help you compare available programs, navigate the mortgage process, and find financing options that fit your goals and financial situation.

Can a mortgage broker compare loan options from multiple lenders?

Yes! Mortgage brokers work with multiple lenders, allowing us to compare different loan programs, rates, terms, and requirements on your behalf. Instead of contacting several lenders individually, you can work with one broker who helps you explore your available options.

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Our Story

Born and raised in Central Louisiana, our founder learned the value of hard work and perseverance from an early age. High school sports helped develop a strong work ethic, while a lifelong passion for hunting and fishing fostered an appreciation for the outdoors, community, and the people around him.After college, that passion for working with others continued through several years of coaching high school basketball and baseball. Coaching provided more than an opportunity to teach sports—it was an opportunity to mentor young people, build relationships, and invest in the lives of others. That same commitment to serving people would continue throughout his career.After earning a master’s degree, he spent 14 years serving as a Minister of Youth and Activities, where helping families and serving the community became an even greater part of his life. Those years reinforced the importance of listening, understanding people's individual circumstances, and being someone others could trust when they needed guidance.That foundation eventually led to a career in mortgage lending. For more than 15 years, he has helped individuals and families navigate the home financing process and pursue their goals of homeownership and investment. Along the way, he developed extensive experience with Conventional, FHA, USDA, and VA loan programs, with a particular passion for helping veterans understand and take advantage of the benefits available to them.Today, that experience serves as the foundation of our company. As a locally owned mortgage business, we believe getting a home loan should be about more than simply finding a number that works. Every borrower has a different story, financial situation, and set of goals. That's why we take the time to understand each client and look for financing solutions that fit their individual needs.Our bilingual team is committed to making the mortgage process easier to understand through clear communication and personalized service. Whether you're purchasing your first home, buying your next property, or refinancing an existing loan, we're here to guide you through the process from beginning to end.Not every loan application is straightforward, and sometimes traditional lenders may not know how to approach a challenging situation. That's where we believe our difference matters. Instead of immediately walking away when financing becomes complicated, we look for solutions. We believe in giving each client individual attention, exploring available options, and doing everything we can to help make homeownership possible.After more than 15 years in the mortgage business, our mission remains simple: serve people, find solutions, and work hard for every client.We Do It Anyways!

Christopher Fussell - Owner/Broker

About

Born and raised in Central Louisiana, Christopher “Chris” Fussell developed a strong work ethic through sports and a lifelong passion for hunting and fishing. After college, he spent several years coaching high school basketball and baseball before earning his master’s degree and serving for 14 years as a Minister of Youth and Activities. For the past 15 years, Chris has worked as a Mortgage Broker, helping individuals and families achieve their homeownership and investment goals. He is experienced in Conventional, FHA, USDA, and VA loan programs, with a special passion for serving veterans. His goal is to make the mortgage process easier to understand while providing knowledgeable, honest, and personalized service every step of the way.
NMLS #: 518007
CLG NMLS: 1216996

Ryan Sanders - Loan Officer

About

Growing up in Whitehouse, Texas, Ryan Sanders developed a strong connection to East Texas and the people who call it home. He later attended the University of Texas at Austin, where he earned his bachelor’s degree in Economics and built a strong foundation in finance and economic decision-making. Today, Ryan uses that knowledge to help individuals and families better understand their mortgage options and find a path toward making their dream home a reality. His goal is to make the financing process clear and approachable while helping each client find a solution that fits their unique needs and financial goals.
NMLS #: 2792018
CLG NMLS: 1216996

Reginald Cupit - Loan Officer

About

Reginald Cupit currently serves as a firefighter in Ouachita Parish, where his career has been centered around helping people when they need it most. Serving others has always been important to Reginald, and becoming a Mortgage Originator has given him another opportunity to continue that mission in a different way. He understands that buying a home is one of the biggest financial decisions most people will ever make and believes in providing clients with someone they can trust throughout the process. His goal is to help individuals and families navigate their mortgage options, understand each step, and feel confident on their journey toward homeownership.
NMLS #: 2106019
CLG NMLS: 1216996

USDA Loan

USDA loans are government-backed mortgages designed to help eligible buyers purchase homes in qualifying rural and suburban areas. They can be a great option for borrowers looking for an affordable path to homeownership, with eligible buyers potentially qualifying for 100% financing and no down payment. Qualification generally depends on factors such as the property’s location, household income limits, credit history, and the borrower’s ability to repay the loan.

FHA Loan

FHA loans are government-insured mortgages designed to make homeownership more accessible, particularly for first-time buyers and borrowers who may have limited savings or less-than-perfect credit. These loans typically offer more flexible credit requirements and lower down payment options than many conventional mortgages. Qualification is based on factors such as credit history, income, debt-to-income ratio, available funds, and whether the property meets FHA requirements.

VA Home Loan

VA loans are government-backed mortgages available to eligible veterans, active-duty service members, and certain surviving spouses. They offer valuable benefits that may include no down payment, no private mortgage insurance, and competitive interest rates. Borrowers must meet VA eligibility requirements and lender guidelines regarding income, credit, and ability to repay, and the property must meet applicable VA standards.

Conventional Loan

Conventional loans are mortgages that are not insured or guaranteed by a government agency. They are a popular option for borrowers with established credit and stable finances and can offer flexibility in loan terms, property types, and down payment options. Qualification typically depends on credit score, income, employment history, debt-to-income ratio, available assets, and the amount of the down payment.

Non-Qualified Loan

Non-Qualified Mortgage (Non-QM) loans provide alternative financing options for borrowers whose financial situations may not fit the requirements of traditional mortgage programs. They may be useful for self-employed borrowers, real estate investors, or individuals with nontraditional or complex income sources. Depending on the program, qualification may consider alternatives to traditional income documentation, such as bank statements, assets, or other financial information, along with credit history and the borrower’s ability to repay.

DSCR Loans

Debt Service Coverage Ratio (DSCR) loans are designed primarily for real estate investors purchasing or refinancing income-producing properties. Instead of relying primarily on the borrower’s personal employment income, these loans generally evaluate whether the property’s rental income is sufficient to support its mortgage-related debt obligations. Qualification can depend on the property’s rental income, projected or current expenses, property value, credit profile, down payment or equity, and the lender’s required DSCR.

Why should I use a mortgage broker instead of going directly to a bank?

A mortgage broker gives you access to loan options from multiple lenders rather than limiting you to the products offered by a single bank. We help you compare available programs, navigate the mortgage process, and find financing options that fit your goals and financial situation.

Can a mortgage broker help me find a lower rate or reduce my closing costs?

Potentially. Because mortgage brokers can compare options from multiple lenders, we can look for competitive rates, fees, and loan structures based on your qualifications. The lowest rate is not always the lowest-cost loan, so we can also help you understand the overall costs and determine which available option makes sense for you.

Can you help me find a loan program that fits my situation?

Absolutely. Every borrower’s situation is different. Whether you’re buying your first home, are self-employed, have unique income circumstances, are a veteran, or are investing in real estate, we can review your goals and qualifications and help identify loan programs that may be a good fit.

Can a mortgage broker compare loan options from multiple lenders?

Yes! Mortgage brokers work with multiple lenders, allowing us to compare different loan programs, rates, terms, and requirements on your behalf. Instead of contacting several lenders individually, you can work with one broker who helps you explore your available options.

What happens if one lender says no—can a mortgage broker try another lender?

Yes. Different lenders can have different guidelines and loan programs. If one lender is unable to approve your loan, we may be able to explore other lenders or programs that better fit your circumstances. While approval is never guaranteed, having access to multiple lending options can give us additional avenues to explore.

Can I talk to someone in the evenings or on weekends if I find a house?

We understand that home buying doesn’t always happen during regular business hours. Here at CrossPoint Lending Group, we offer flexible availability, including evenings and weekends, so you can reach out when you need help. Whether you have a question, need to discuss financing, or just found the house you want, we’re here to help you keep the process moving.