Mortgage loan programs

Do you know what you want from your mortgage? We can help! We’ll work with 
you to find the home loan that fits your financial situation best.

Find the right loan for you

Stable payments and rate

For a loan payment that won’t change as the market fluctuates, consider a fixed-rate mortgage. You’ll have the security of knowing what you’ll pay each month for the life of the loan — no surprises.

Couple sitting together at table considers fixed-rate mortgage paperwork.
Interior of home office shows desk with computer surrounded by plants.

Low interest rate for a few years

If you’re looking for a rate that may be initially lower than a fixed-rate mortgage or don’t plan on living in your home long-term, then an adjustable-rate mortgage might be right for you.


Low down payment

An FHA home loan with a 3.5% down payment requirement can benefit certain homebuyers. USDA and VA home loans also offer low down payment options for qualifying borrowers.

Couple sits together on couch in living room.
The before and after from a renovation to a fixer-upper home.

Finance a fixer-upper

If you see the potential in a home that needs renovations or improvements, an FHA 203(k) loan can combine the mortgage and qualified improvement costs together into one payment.


Find a home in a rural area

With a USDA rural home loan, purchasing a home in a designated rural area can provide the benefits of 100% financing, flexible credit requirements, and the security of a fixed rate.

Outside of rural home purchased using a USDA loan surrounded by a field.
Veteran hugs child outside of a home purchased using a VA loan.

Use your Veteran benefits

Insured by the U.S. Department of Veterans Affairs, a VA loan can provide favorable terms for those who've served in the Military, including up to 100% financing with no mortgage insurance.


Build your own

Building your dream home? We’ve got your financing covered with exceptional construction loan options. We help you navigate the financing process, making it easy and painless.

Exterior of recently built new home construction.

More programs that help with down payments

Your first time buying a home should be exciting and stress free. We’re here to empower you as you move through the steps of securing a home loan. This article 
is a great place to start preparing.
Logo for CrossCountry Mortgage Smart Start mortgage program.

CCM Smart Start*

Up to $5,250** for first-time homebuyers. It doesn’t need to be paid back, and you can even add more cash if you can to make your mortgage payment even lower!


Fannie Mae HomeReady and Freddie Mac Home Possible®

HomeReady is designed for low-income, first-time homebuyers, offering as low as 3% down payment; flexible funding options from gifts and grants with no minimum personal funds required; and a minimum credit score of 620.
Home Possible® requires a minimum down payment of 3% for a single-family home along with more options for first-time homebuyers, very low- to low-income borrowers, move-up borrowers, and retirees.

Couple reviews possible tile options for a kitchen renovation.
Map of the United States of America filled in with gold.

Down Payment Assistance Programs

Down payment assistance programs offer loans and grants that may cover some or even all of your down payment and closing costs. There are over 2,000 programs nationwide, but they vary by location. Get in touch and we’ll tell you what your state offers, and if you qualify.


Begin the application & mortgage process today