The CrossCountry Mortgage Affinity Program to iaff members

Savings Also Available To Family Members*

Total savings up to


with a CCM No Lender Cost Home Loan*


Simple as Possible.

Pay less for your home just by coming to work. Members of IAFF can take advantage of your mortgage savings with an Affinity Home Loan.

Typical Fees on a Home Loan:

Underwriting Fee: $995
Processing Fee: $495
Appraisal Fee (Average): $600
Credit Report: $100
Flood Certification: $8

Purchase Loans

  • FHA Home Loans
  • FHA 203(k) Renovation
  • HECM for Purchase & Reverse Mortgages
  • Investment Property Loans
  • Jumbo Mortgages
  • Niche Loan Options
  • USDA Rural Home Loans
  • VA Home Loans
  • W-2 Validation

Refinance Loans

  • Conventional Loans
  • Cash-Out Refinance
  • HECM & Reverse Mortgages
  • VA Interest Rate Reduction Refinance Loan
  • FHA 203(k) Refinance
  • FHA Streamline Refinance
  • USDA Rural Streamline Refinance

Our Streamlined Process

With our streamlined refinance and purchase process, customers can close in as few as 21 days.


step 1

We'll work closely with you to obtain all documentation within 7 days of the date of your application, ensure that it's complete and accurate, and submit it to loan processing for review.


step 2

A loan processor will review your documentation within 24 hours and complete that review within 2 days of receipt. The processor will then submit your loan to underwriting.


step 3

Your loan will be assigned to an underwriter who will complete an initial review within 24 hours. If any conditions are required, your loan will be sent back to the processor to clear them and prepare for closing, all within 7 days of the underwriter's initial review. Once complete, the loan will be sent back to underwriting for final review and approval.


step 4

The underwriter will issue a clear to close (CTC) and assign the loan back to the processor who will inform all parties of the CTC, verify the closing date and time, and place the loan in the closing queue. The closer will have 24 hours to provide closing documentation to the settlement agent.


step 5

You'll attend the closing with your agent and sign all remaining documentation.

Helpful Articles

Get educated on the loan process and different loans products available for IAFF members.

Your Dedicated Loan Officer

For more information, get in touch with our loan officers below.

Steve Channen

Branch Manager

[email protected]

Steven Channen has over 25 years of experience in the mortgage industry. He has worked directly with consumers in helping them with their home financing needs as a licensed loan officer during this time. In addition, he has managed, recruited and trained hundreds of loan officers and operations professionals in his roles in corporate, regional and local management.

Ready to Get Started?

Connect with a loan officer now!


CrossCountry Mortgage, Inc. is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. Certificate of Eligibility required for VA loans. To obtain a HECM, you must take an approved counseling course available at little to no cost and receive a certificate of completion that will be required during the application process. While you won't make any mortgage payments, you will still be responsible for property taxes and homeowners insurance and upkeep of the property. NMLS3029 (www.nmlsconsumeraccess.org).

*Benefit available on new loans, must be mentioned at onset of inquiry and prior to the closing disclosure

*Savings available on investment properties with a minimum loan size of $200k.

Available for first lien mortgage purchase money loans or refinance loans. Program discounts can only be redeemed by closing a loan through CrossCountry Mortgage, Inc. Discounts will be redeemed at closing in the form of a $2,198.00 lender credit. Borrower cannot receive cash at closing. Approval subject to CrossCountry Mortgage, Inc., mortgage insurance, and loan underwriting guidelines and property approval for all loans.

Available only on loans originated through completed residential mortgage loan applications received directly by CrossCountry Mortgage, Inc. Loan program terms and conditions are subject to change without notice. Membership must be presented with an application for a residential mortgage loan. Only one offer per loan transaction will be accepted. No cash value. Offer will be rescinded if the borrower elects to cancel the loan transaction or the conditions for sale of the loan change.

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