Your dreams of homeownership? We share them with you and we’re here to help see them through.
Buy, refinance or borrow with confidence.
Home prices fluctuate. Interest rates rise and fall. But your dream of homeownership? That remains strong. At Cross Valley, we’re here to help you move forward—no matter what the market is doing.
Buying a Home?
Lock in a mortgage that fits your budget—even in a changing market.
Refinancing?
Secure a lower rate, reduce your monthly payment or tap into your home's value.
Using Home Equity?
Fund renovations, consolidate debt or take on what's next with a smart, affordable loan.
Let's get started with your next move.
“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.”
Home lending solutions built for Opportunity.
Home Equity Loans
5.00% APR¹ fixed rate for 15 years
Turn your home into Opportunity.
Your home is more than just a place to live—it’s a financial asset that can help you move forward. With a Home Equity Loan from Cross Valley, you can fund renovations, pay off debt or take on new opportunities with confidence.
Mortgages + Refinancing
Up to $500.00 off closing costs²
Buy a home without the guesswork.
The market may shift, but the right home loan can help you stay on track. Whether you're a first-time buyer or upgrading to your next home, we offer smart, affordable mortgage options that make homeownership possible—even in changing conditions.
- A home equity loan allows homeowners to borrow against the equity in their home. It provides a lump sum of money that is repaid over time with fixed monthly payments, typically at a fixed interest rate.
- The loan amount depends on the home's value, the amount of equity available, and the lender's loan-to-value (LTV) ratio requirements. At Cross Valley, we allow borrowing up to 80% of the home's equity.
- A home equity loan provides a one-time lump sum with a fixed repayment term, while a home equity line of credit (HELOC) is a revolving credit line that allows borrowing as needed, usually with a variable interest rate. Give us a call today to discuss your options with home lending expert.
- A mortgage rate with "0 points" means you’re not paying discount points upfront to lower your interest rate. Discount points are fees paid at closing, typically 1% of the loan amount per point, to reduce the interest rate. A "no points" loan usually has a slightly higher interest rate but lower upfront costs, making it ideal for buyers who want to minimize out-of-pocket expenses at closing rather than securing the lowest possible rate. And in case you were wondering, our mortgage rates come with no points!
The process is simple:
1
Complete the online application, give us a call at (570) 823-6836, or stop by one of our six branch locations.
2
If you’re not already a member, we’ll get that taken care of while your loan is being processed.
3
Close on your Home Equity Loan or Line of Credit at any one of our six branches. That's it, you're done!
“We have worked with this bank (the same wonderful woman) for years. She has helped us refinance our home loan twice, has given us helpful information and was completely professional while still being friendly.”
Cross Valley FCU Member
Home Equity Loan: Offer available for a limited time and subject to change without notice. Annual Percentage Rate (APR) of 5.00% is based on 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%. Offer applies to new money and first liens only and is not valid for refinancing existing Cross Valley Federal Credit Union loans. Second lien floor rate is 6.00% APR. Loan approval is subject to creditworthiness, income verification, and other underwriting criteria. Additional terms, conditions, and restrictions may apply. Membership with Cross Valley Federal Credit Union is required. Equal Housing Opportunity. Contact us for full details.
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. To be eligible for the offer, you must submit an application, request pre-approval, or request preliminary pre-approval for a purchase or refinance mortgage during the period beginning May 1, 2025 through July 31, 2025. For pre-approvals and preliminary pre-approvals, subsequent mortgage applications must be submitted by July 31, 2025 to be eligible for offer. 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.
