Mortgage Rates

As of April 26, 2018

The rates listed below are for Owner Occupied One to Four Family homes*

Not all rates are posted.  Please contact our mortgage professionals for additional information.

Fixed Rates


Fixed Rate Buydowns


Adjustable Rates


Adjustable Rate Buydowns


One-Year Libor


All loan products are subject to credit and property approval. All mortgage loans are originated by Cross County Savings Bank.
The annual percentage rate (APR) is the annual rate charged for borrowing, and is expressed as a percentage that represents the actual yearly cost of funds over the term of a loan.
Owner Occupied Residential purchase loans secured by a one or two family property are subject to a maximum 95% loan-to-value (“LTV”)*. A loan with a 95% LTV (or as selected by borrower) will require a minimum down payment of 5% (or as selected by borrower). Any owner occupied residential purchase loan in excess of 80% loan-to-value will require Private Mortgage Insurance (“PMI”).
Owner Occupied Residential purchase loans secured by a three or four family property are subject to a maximum 80% loan-to-value. A loan with a 80% LTV (or as selected by borrower) will require a minimum down payment of 20% (or as selected by borrower).
Owner Occupied Residential refinance loans secured by one to four family properties are subject to a maximum 75% loan-to-value.
Non-Owner Occupied Residential purchase loans secured by one to four family properties are subject to a maximum 80% loan-to-value. A loan with a 80% LTV (or as selected by borrower) will require a minimum down payment of 20% (or as selected by borrower).
Non-Owner Occupied Residential refinance loans secured by one to four family properties are subject to a maximum 75% loan-to-value.
Commercial purchase loans are subject to a maximum 70% loan-to-value. A loan with a 70% LTV (or as selected by borrower) will require a minimum down payment of 30% (or as selected by borrower).
Commercial refinance loans are subject to a maximum 65% loan-to-value.
Certain property types are not eligible as collateral. 
Property insurance is always required. Flood insurance may be required, when necessary.
* Your loan-to-value ratio (LTV) describes what you owe on your mortgage as a percentage of the total current value of your property.
Adjustable Rate Mortgage (“ARM”):
ARM interest rates and payments are subject to increase after the initial fixed-rate period (1 year for a 1/1 ARM and 3 years for a 3/1 ARM).
The maximum Increase per adjustment on a 1/1 ARM product is 2%. Lifetime cap on the 1/1 ARM product is 4.50% above the initial interest rate. For adjustable rate mortgages, the interest rate may increase after consummation. Minimum Rate is the Initial Rate.
The maximum Increase per adjustment on a 3/1 ARM product is 2%. Lifetime cap on the 3/1 ARM product is 5.25% above the initial interest rate. For adjustable rate mortgages, the interest rate may increase after consummation. Minimum Rate is the Initial Rate.