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Loan programs
Cross State Funding Corp. arranges residential mortgage programs in New York and Florida, along with nationwide DSCR investment-property financing through participating lenders. Explore the program families below to find the path that matches your property and financing goals.
Mortgage rate options
Before you pick a loan program, you'll choose how your interest rate behaves over time. These four structures cover almost every scenario we run.
The most common option. Monthly principal and interest payments never change for the life of the loan. Best when you plan to stay in the home long-term or want full payment predictability.
Interest rate is fixed for an initial period (commonly 5, 7, or 10 years), then can adjust periodically with the market. Often a strong fit when you plan to move or refinance before the fixed period ends.
Borrowers make monthly payments toward interest only for a specified initial period, with principal payments kicking in later. Niche but useful in the right scenario; we'll model whether it fits.
Payments start lower and rise on a defined schedule for a set number of years before leveling out. A specialty structure for buyers expecting income to climb.
Loan program options
Explore FHA, VA, conventional, USDA, jumbo, and 1% Down options for residential borrowers in New York and Florida, plus nationwide DSCR financing for eligible rental-property investors.
Nationwide rental-property financing through participating lenders.
Best for: Non-owner-occupied rental investors
Flexible terms for buyers with steady credit and income.
Best for: Repeat buyers with strong credit
Government-insured loans built for first-time and credit-rebuilding buyers.
Best for: First-time buyers
Our specialty: 100% financing for eligible veterans, active-duty service members, and surviving spouses.
Best for: Veterans and active-duty service members
Financing above conforming limits for luxury homes and high-balance scenarios.
Best for: Luxury and high-balance loans
Not sure which fits?
By carefully considering your timeline, savings, credit, and goals (and with our professional guidance) you should be able to land on the one loan that matches both your current situation and your future financial goals.
Connect with our experts today
Whether you're ready for a fast prequalification, want an honest rate conversation, or need a second opinion on a quote you already have, we're here. Family-owned, local, and easy to reach. No spam, no surprise fees, no obligation.