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Welcome to Opportunity

Home Lending

(570) 823–6836


We treat each mortgage as if it were our own.

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.

  • An assortment of loan programs to meet your needs
  • Easy online application and fast approval
  • Competitive rates + Low closing costs

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.

Let’s get started Contact Cathy

We'll make your new home happen.

The first step to homeownership begins here.

Looking for a quick quote?

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.

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Do not include any sensitive personal or account information.

“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

You see loan options. We see Opportunity.

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.

Fixed + Adjustable Rate Mortgages

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.

FHA Mortgage Programs

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.

First-Time Homebuyers

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.

PHFA Mortgage Programs

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.

Veterans Affairs (VA) Loans

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.

USDA Rural Development Loans

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

Home Equity

Making your home work for you.

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.

Home Equity Loans can be used for nearly anything you want but are most commonly used for things like home renovations, debt consolidation or education.

  • Fixed interest rate
  • Up to 90% loan-to-value (LTV)
  • Easy online application

Let’s pave the way to your next vehicle with an auto loan to fit your budget.

Apply right now

What you have lets you borrow what you need.

Current Home Equity Loan rates:

0-60 Months6.24%
61-120 Months7.24%
121-180 Months7.24%

We’ve got plenty of other rates and terms available. Click here to see them all.

Apply for a Home Equity Loan Contact us

When emailing, do not include any personal or sensitive information. Emails are not encrypted and should not include any account information.

Home Equity Line of Credit

A line of credit you’ve already earned.

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.

Apply for a HELOC Contact us

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 checks⁴ 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!

When emailing, do not include any personal or sensitive information. Emails are not encrypted and should not include any account information.

What you have lets you borrow what you need.

Which home equity product is right for you?

Home Equity Loans and HELOCs are both amazing for securing affordable funds for a variety of reasons, but they do have their differences.

Loan FeatureHome Equity LoanHELOC
Nature of loanLump sum loanRevolving line of credit
Interest rateFixed interest rateVariable rate
Interest paymentsPay interest on the entire loan amount from the beginning of the loanPay interest only on the amount you’ve withdrawn during the draw period
Paying it backFixed monthly paymentsVariable monthly payments based on the outstanding balance
Use of fundsIt’s up to you, but typically used for one-time expenses such as home renovationsFlexible 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.

Apply for a Home Equity Loan Apply for a HELOC


Repayment in as many as 60 monthly payments of $18.41 per $1000.00 borrowed for the rates shown above for Auto Loans and repayment in as many as 36 monthly payments of $31.33 per $1000 borrowed on personal loans for rates shown above. Members may borrow up to 80% maximum loan to value (LTV) without first mortgage (with first mortgage 50%). The payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. Consult your tax advisor for tax-deductible eligibility. Contact the credit union for full loan details. Notice to borrower: If you obtain this loan, Cross Valley Federal Credit Union, the lender, will have a mortgage on your home. You could lose your home and any money you put into it if you do not meet your obligations under the loan. NMLS#808487


LTV = Loan to Value: LTV ratio is the amount of equity owned on a home minus all other mortgages and liens.


APR= Annual Percentage Rate (Variable Rate). You can obtain credit advances for five (5) years (also known as the “Draw Period.”). Maximum payment term: 180 months. This is a predetermined periodic rate that corresponds to the Six Month Treasury Bill Rate (Auction High). We will use the most recent index value available to us as of 30 days prior to the date of any annual percentage rate adjustment. The annual percentage rate can change semi-annually on the first day of January and July. The rate cannot increase or decrease more than 2.0 percentage points in any one year period. Rates and terms subject to change without notice. Lifetime maximum variable APR is 18.00%. Rates shown are for qualified borrowers who meet certain credit criteria. NMLS#808487. Membership requirements apply.

Members receive four checks to start. Minimum advance is $1,000.00.