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Your Local CrossCountry Mortgage Loan Officer

Michael Murgatroy

  • Originating Branch Manager
  • Delray Beach, FL Mortgage Loan Officer
  • NMLS #60099

Your biggest decision is my biggest passion

Hi, I’m Mike Murgatroy, and for over 25 years, The Murg Team and I have served thousands of individuals and families with integrity and ingenuity. We work hard to structure mortgage solutions to fit financial requirements and wealth management portfolios.

As part of our Delray Beach, FL branch at America’s #1 Retail Mortgage Lender, our core mission is to exceed the expectations of our clients and agent partners through education and empowerment, delivering an unparalleled mortgage experience. This means we’ll always be transparent in the advice we share. I keep an open line of communication to build trust, helping everyone stay informed on every step of your loan process.

I’ve been a Scotsman Top Originator year over year since 2013 for a good reason. Our team uses our core mission to strengthen pathways and assist Veterans both locally and nationally with their home purchase and refinance goals. No matter where you’re looking to find a home, The Murg Team is here to help make that dream a reality. We are in it for life.

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

Man relaxing on couch in living space reads about Bye-Bye PMI product on cell phone.
Military member coming home to his daughter in his VA-funded home.

Save on Your Mortgage Every Month

Say Bye-Bye PMI 

Typically, when your down payment is less than 20%, you have to pay monthly private mortgage insurance (PMI). 

CCM Bye-Bye PMI offers qualified borrowers a conventional loan for as little as 15% down without PMI. That’s monthly mortgage savings and a smaller down payment, giving you more purchasing power.

Come Home With a VA Loan

Did you know VA mortgage loans are not only for Veterans? Qualified Active-Duty Military, National Guard, Reservists, and Surviving Spouses can take advantage of this important benefit. VA loans offer 100% financing without mortgage insurance, and the VA benefit is re-usable. 

Purchase or refinance, contact me to learn more. 

Inspiration for your home loan journey

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Young People Are Struggling to Buy Homes — But Some States Tell a Different Story

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First-time homebuyers calculating how much down payment is needed on a house.

Down Payment: How Much Do You Need for a House?

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Exterior of a ranch style home whose mortgage is going through a refinance.

When to Refinance a Mortgage

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Frequently asked questions

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