Since 1969, we’ve been working side-by-side with our neighbors to help them buy, remodel, and refinance their homes. Whether it’s your first home or your forever home, Cross Valley has the mortgage loans, local knowledge and in-house expertise to get you home in no time.
Two ways to get started:
If you’re ready, you can go ahead and start the application process.
If you’re looking for some guidance, you’re in luck. Let’s get you introduced to our in-house Mortgage Relationship Advisor, Cathy Casey, who will work one on one with you throughout the entire process. You could say she’s the ace up our sleeve when it comes to home lending.
A steady path to the place you'll love. For a limited time, get up to $500.00 off closing costs¹ on mortgages with Cross Valley.
The first step to homeownership begins here. Fill out the simple form and our in-house Mortgage Relationship Advisor, Cathy Casey, will quickly get back to you with a quote and snapshot of what your mortgage with Cross Valley could look like.
“Just like the individuals and families applying for them, no single mortgage is the same. Together, we’ll explore all of your options and tailor a custom mortgage and payment plan that fits your budget and timeline—all while keeping things simple and understandable.”
Cathy Casey | Mortgage Relationship Advisor, NMLS #767380
There are many types of home loans and mortgage programs out there—too many to list, honestly. Good thing our mortgage team is familiar with every single one of them. Here are some of the most common ones, but if you don’t see what you’re looking for, we’re here to help.
Available in varying terms, fixed and adjustable rate mortgages (ARMs) are popular for buying, refinancing or improving a home—each with its own set of benefits and variables.
This program offers down payment options as low as 3.5%, with 6% Seller’s Assist, and is available to average or limited credit score buyers who are looking for low rates.
One of our favorite loan types to work with—if this is your first time buying a home, let Cross Valley show you the way. We’ll help determine what you can afford and review all your options and resources.
The Keystone Home Loan Program is offered by (PHFA) and includes various options to help homebuyers, including a low-interest rate program and assistance for down payments and closing costs.
VA loans are available to eligible veterans, active-duty service members, and surviving spouses. They often come with favorable terms, including no down payment requirements and competitive interest rates.
The U.S. Department of Agriculture (USDA) offers loans for eligible rural and suburban home buyers with low to moderate incomes. These loans feature 100% financing with no down payment options and up to 6% seller’s assistance.
“I still cannot believe we are the new owners of this beautiful property that we can now call home! Thanks to Cathy’s guidance (and patience), the home buying process was nothing but a smooth and effortless experience. Forever grateful.”
Sandra and Guillermo Lara | Cross Valley members
Your home is likely the biggest asset you have. So when big expenses come up, let your home lend a hand. A Home Equity Loan (also known as a second mortgage) provides you with one lump sum that you repay over time—all secured by the equity you’ve created with your home.
Right now, take advantage of 5.00% APR² for up to 15 years with our limited-time Home Equity special.
Let’s pave the way to your next vehicle with an auto loan to fit your budget.
Turn your home into Opportunity. | Term | APR² |
|---|---|
| 0-60 Months | 5.99% |
| 61-120 Months | 6.99% |
| 121-180 Months | 6.99% |
We’ve got plenty of other rates and terms available. Click here to see them all.
A Home Equity Line of Credit (HELOC) is like a credit card that’s secured by the equity in your home. It provides a revolving line of credit that you can borrow against, repay, and borrow again as needed.
With flexible terms and variable interest rates, a HELOC is an easy way to access funds for projects, expenses, or emergencies with rates typically much lower than credit cards.
It is our goal to ensure you always have the most convenient opportunities available to assist you in reaching your financial goals.
We now offer checks⁵ with our Home Equity Line of Credit (HELOC). These checks are similar to personal checks, and you can make out a HELOC to whomever you want—an individual or company, for example.
Once the payee cashes the check, the lender subtracts the amount from your HELOC’s credit limit. Easy!
What you have lets you borrow what you need. Home Equity Loans and HELOCs are both amazing for securing affordable funds for a variety of reasons, but they do have their differences.
| Loan Feature | Home Equity Loan | HELOC |
|---|---|---|
| Nature of loan | Lump sum loan | Revolving line of credit |
| Interest rate | Fixed interest rate | Variable rate |
| Paying it back | Fixed monthly payments | Variable monthly payments based on the outstanding balance |
| Use of funds | It’s up to you, but typically used for one-time expenses such as home renovations | Flexible use for ongoing varying expenses like home improvement, emergencies or debt consolidation |
Remember, the best choice depends on your specific needs, financial situation, and preferences.
Up to $500.00 off Closing Costs: Up to a $500.00 closing cost credit will be applied at closing and will be reflected on the member’s closing disclosure. Offer applies to first mortgages through Cross Valley Federal Credit Union. No cash value. Offer void if transaction is rescinded. Subject to credit approval. Limited time offer, subject to change without notice. Federally insured by NCUA. Equal Housing Opportunity. NMLS 808487. Contact us at (570) 823-6836 for complete details.
Home Equity Loan: APR = Annual Percentage Rate. Offer available for a limited time and subject to change without notice. 5.00% APR applies to a fixed-rate Home Equity Loan with a maximum term of 15 years, a minimum loan amount of $10,000, and a loan-to-value (LTV) ratio of up to 80%, requiring at least 20% equity in the home. Offer applies to new money and first liens only. The second lien floor rate is 6.00% APR. A loan of $25,000 at 5.00% APR for 15 years would result in 180 monthly payments of approximately $197.77. No balloon payment applies. The APR is fixed for the life of the loan and will not increase after consummation. Loan approval is subject to creditworthiness, income verification, property valuation, and other underwriting criteria. Eligibility for loans up to 133% loan-to-value (LTV) depend on the borrower’s credit score, LTV ratio, property type, proposed use of funds and other factors we may lawfully consider. 133% LTV only applies to qualified home renovations and home improvements deemed applicable by the underwriter. Additional terms, conditions and restrictions may apply. Membership with Cross Valley Federal Credit Union is required. Equal Housing Opportunity. NMLS 808487. Contact us at (570) 823-6836 for complete details.
Home Equity Line of Credit (HELOC): Home Equity Line of Credit (HELOC) are variable-rate lines of credit. Rates as low as 4.99% APR are available for qualified borrowers and are based on credit history, loan-to-value (LTV) ratio, loan amount and other underwriting factors, so your rate may differ. APR = Annual Percentage Rate. The APR is based on the Wall Street Journal Prime Rate plus a margin and may change semi-annually on January 1 and July 1. For loans with LTV ratios of 80% or less, the APR may increase or decrease by no more than 2.00 percentage points in a 12-month period. For loans with LTV ratios greater than 80%, the APR may change by no more than 3.00 percentage points in a 12-month period. The minimum APR is 3.50% and the maximum APR is 18.00%. The plan includes a five (5) year draw period followed by a repayment term of up to 180 months. Membership eligibility and credit approval are required. Rates and terms subject to change without notice. NMLS #808487.
Members receive four checks to start. Minimum advance is $1,000.00.
