Lending

Lending Programs

Mortgage Loans

Competitive Fixed and Adjustable Rates Mortgage Programs available for one to four family owner and non-owner occupied homes and Condominiums. Jumbo Loan programs are available as well as competitive First Time Home Buyer Programs, Home Equity Products, Refinancing Loan Products and Commercial Loan Products.

First Time Home Buyer Program

All first time home buyers purchasing a one family, two family or condominium to be used as the applicants primary residence are eligible for this program with as little as a *5% down payment.

* Personal Mortgage Insurance Required

Refinancing Loans

Take advantage of the equity you have built in your home with a Refinancing Loan. Whether you have a mortgage with Cross County or another financial institution, a refinance can mean money for any purpose such as financing an automobile, education expenses, medical expenses, a second home and much more.

Home Equity Loan

Loan amounts from $10,000.00 to $208,500.00. One to four family owner and non-owner occupied dwellings. No closing costs, no application fees and no pre-payment penalties. Both, fixed rate programs and variable rate programs are available.

Home Equity Line of Credit

Draw period of five years, which allows you to draw out the amount you want, when you want, up to $208,500.00. One to four family owner and non-owner occupied dwellings. No closing costs, no application fees and no pre-payment penalties. Both, fixed rate programs and variable rate programs are available. For more information concerning open-end credit, please view the "What You Should Know About Home Equity Lines of Credit" booklet issued by the Federal Reserve.

For information on any of these products or for details on Commercial Loans and Adjustable Rate Mortgages please contact our Mortgage and Loan Center to speak with a loan specialist.