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Recent Articles

Mortgage Rates Tick Up Slightly as Bonds Weaken and MBS Underperform
Oct
10
2025
Mortgage Rates Tick Up Slightly as Bonds Weaken and MBS Underperform
A Quiet Day With a Small Move Today was another calm but slightly weaker day for the mortgage market. With the government shutdown still holding up key reports like jobless claims, there wasn’t much fresh data to guide investors. That left the bond market trading mostly on...
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Mortgage Rates Holds Steady After Weak Jobs Report
Oct
01
2025
Mortgage Rates Holds Steady After Weak Jobs Report
What Happened in the Job Market This week’s key economic data came from ADP, a private payroll company, since the government’s official jobs report has been delayed by the shutdown. Their update showed the U.S. lost about 32,000 jobs in September, even though analysts had...
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3 Reasons Home Affordability Is Improving This Fall
Sep
26
2025
3 Reasons Home Affordability Is Improving This Fall
For much of the past two years, buyers faced the double challenge of high mortgage rates and rising home prices. But this fall, the market is shifting in ways that make homeownership more affordable than it has been in months. Here are three reasons why: 1. Average 30-Year Fixed Rates Have...
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Mortgage Rates Hit Yearly Lows—Then Jump After the Fed Cut. Here’s What Happened (and Why Applications Just Surged)
Sep
19
2025
Mortgage Rates Hit Yearly Lows—Then Jump After the Fed Cut. Here’s What Happened (and Why Applications Just Surged)
This Week at a Glance Early week: The average 30-year fixed drifted to new 11–12 month lows, tracking a steady four-month slide in bond yields. Wednesday (Fed Day): The Fed cut the policy rate by 0.25%, but the average 30-year fixed moved higher afterward. The reason...
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Mortgage Rates Near 11 Month Lows—What’s Next With the Fed?
Sep
12
2025
Mortgage Rates Near 11 Month Lows—What’s Next With the Fed?
Quick Take The average 30-year fixed dipped to new ~11-month lows after the early-September jobs report, then held in a tight range this week. Producer Price Index (PPI) came in cooler than expected; CPI was roughly on-target with a softer “supercore.” Together,...
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About Us

At Cross State Funding, we’re proud to be a family-owned mortgage brokerage based in North Tonawanda, NY, serving Buffalo and all of Western New York. Also licensed in Florida and California. Our mission is simple, to combine local expertise, integrity, and personalized service to help every client find the best home loan for their needs.

As an independent mortgage broker, we have access to hundreds of top lenders, allowing us to offer competitive rates, flexible terms, and faster approvals. Whether you’re buying your first home, refinancing, or investing in property, our team is dedicated to making your mortgage experience clear, confident, and stress-free.


At Cross State Funding, we treat every client like family, because that’s how we do business. From Buffalo to Niagara Falls, we’re honored to be your trusted local partner on the path to homeownership.

Company NMLS: 98185
www.nmlsconsumeraccess.org



Contact Us

Cross State Funding Crop.
416 Oliver Street
North Tonawanda, NY 14120
Phone: 716-984-6968
Jesse@CrossStateFunding.com 


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For Informational purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval.

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