Speed
Fully underwritten pre-approvals so your buyer’s offer is ready to compete, subject to program requirements and a complete application.
For Realtors · Spokane & Coeur d’AleneThe lender your deals deserve.
Fast pre-approvals, communication you never have to chase, and programs built to close. Austin Gerimonte partners with North Idaho and Spokane agents to get buyers to the closing table.
0.00Experience.com rating
0Verified client reviews
#2277430NMLS · CrossCountry Mortgage
Spokane + North IdahoCoeur d’Alene office
The standard
Clear answers. Fast pre-approvals. A lender who picks up the phone — and keeps your buyer, your seller and you in the loop until the keys change hands.
From pre-approval to keys
How a deal moves with Austin.
- 01
Pre-approved, properly
Fully underwritten pre-approvals so your buyer’s offer is ready to compete — subject to program requirements and a complete application.
- 02
Under contract, never in the dark
Proactive updates to you and your buyer at every milestone. You’ll never have to chase a status.
- 03
Keys in hand
A clean, on-time close — and a client who remembers who made it easy.
Why agents partner with Austin
Built for the agents who close.
Your client relationship stays at the center. Austin brings the lending context, follow-through and education that make you look good — before, during and after the deal.
Communication
Proactive updates to you and your buyer, from contract to close. You’ll never have to chase a status.
Programs that close
Conventional, FHA, VA, USDA, jumbo, non-QM, DSCR, renovation and more — the right structure for the buyer in front of you.
Co-marketing
Co-branded flyers, open-house support and Realtor classes that keep you valuable to your database.
Classes
Small-room Realtor workshops built around real scenarios you can put to work the same week.
Realtor classes & events
Learn together. Close more.
Small-room workshops built around useful conversations, real scenarios, and ideas you can put to work immediately. RSVP in 30 seconds.
Homes of the week
2 homes worth a look.
Active11 photosSpokane, WA 99223 · Week of October 22, 2026
3908 E 22nd Ave
$450,000- 3 beds
- 2 baths
- 2,678 sq ft
Listing courtesy of Jeff Thomas, Amplify Real Estate Services · MLS #202625424 · View MLS listing
Active11 photosSpokane, WA 99205 · Week of October 22, 2026
1611 W Mansfield Ave
$274,999- 4 beds
- 1 baths
- 1,712 sq ft
Listing courtesy of Jeff Thomas, Amplify Real Estate Services · MLS #202621513 · View MLS listing
Real clients · Experience.com
4.96★ across 86 reviews.
Verbatim from Austin’s public Experience.com profile, as of Oct 22, 2026.
★★★★★
Experience.com“Austin and his team were very straight forward and made themselves available for SO MANY questions we had. They walked us through each step”
★★★★★
Experience.com“Austin was very friendly and responsive to all of our various questions throughout the process. If we ever got confused on certain terms or how numbers were working out, he was able to explain in a way that we understood. The help was greatly…”
★★★★★
Experience.com“Working with Austin and Maggie was an outstanding experience from start to finish. Buying a home can be stressful, but Austin made the entire mortgage process smooth, transparent, and easy to understand. The team was quick to respond to questions,…”
★★★★★
Experience.com“Even though we didn't have an office to meet, Austin made it convenient for us to meet and was very accommodating with us. Kept us abreast of changes as well as guiding us through the entire process.”
★★★★★
Experience.com“Austin went above and beyond for us! He patiently explained things to us and was quick and efficient in responding to any questions we had.”
★★★★★
Experience.com“We first contacted Austin after an unexpected change with the house we were renting. Our original plan was to purchase that home, but after negotiations with the owners, we weren’t able to agree on a fair price. From the start, Austin guided…”
★★★★★
Experience.com“Austin provided clear and frequent communication. He was able to cut closing costs and even beat other lender's interest rates.”
★★★★★
Experience.com“Austin and Gelisa did a great job communicating and reassuring me throughout the home-buying process! The constant affirmation that everything is going smoothly really helped cure the anxiety of home buying! They did great!”
Meet Austin
I’ll be with you every step of the way.
Austin Gerimonte · Mortgage Loan Officer, CrossCountry Mortgage · NMLS #2277430
I lead Team Gerimonte at CrossCountry Mortgage, based in our Coeur d’Alene office and serving Spokane and North Idaho. I partner with Realtors, financial advisors, CPAs and estate attorneys so every client gets a plan that fits the bigger picture, not just a rate.
For investors, non-QM options can help you keep your money invested. For first-time buyers, I walk through first-time homebuyer and down payment assistance programs so you know exactly where you stand. I also host Realtor workshops and free homebuyer classes, because a well-prepared buyer makes everyone’s deal smoother.
For buyers & homeowners
Start with a conversation.
No pressure, no application required. Pick the path that fits where you are.
Guides worth reading
Buying
Down payment options, explained
20% down is a habit, not a rule. Here’s how the main programs actually approach the money you bring to closing.
Read →BuyingThe first-time buyer playbook
What actually happens between “we should buy” and “here are your keys,” in the order it happens.
Read →Self-employed & investorsNon-QM: keep your money invested
If your tax returns don’t tell the whole story, traditional underwriting may not either. Non-QM programs look at things differently.
Read →RatesDoes the Fed set mortgage rates?
Short answer: not directly. Here’s what actually moves the rate you’re quoted.
Read →
Rooted in North Idaho
Lake country, mountain towns and Spokane neighborhoods — local lending from someone who lives here.
Options worth a conversation
Lending programs
Financing begins with understanding the buyer. Availability, eligibility, terms, and approval vary by program.
Conventional
Financing options for primary homes, second homes, and investment properties, subject to eligibility.
FHA
Government-insured financing with program-specific credit and down payment requirements.
VA
Financing for eligible veterans, service members, and qualifying surviving spouses.
USDA
Options for eligible properties and borrowers in qualifying rural areas.
Jumbo
Financing for loan amounts above applicable conforming limits.
DSCR
Investment-property options that consider property cash flow, subject to program criteria.
HELOC
Explore access to home equity with a revolving line of credit, where available.
Down payment assistance
Review available assistance programs, eligibility, and repayment terms.
Renovation
Explore financing that may combine a home purchase or refinance with eligible improvements.
Manufactured housing
Financing options depend on the home, foundation, property, and program requirements.
Bridge loans
Discuss short-term financing approaches for the transition between homes.
Specialty financing
A conversation about additional options for unique property and borrower circumstances.
Next step
Let’s build something useful together.
Agents: grab a partner meeting. Buyers: start a no-pressure conversation whenever you’re ready.