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Loan programs
There are a number of different home loans available, and it pays to understand your options. Luckily, Cross State Funding Corp. has been helping families in Buffalo and Western New York (and across New York and Florida) pick the right one for over a decade. Tap any program below to read more, or get prequalified and we'll match the right one to your 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
From first-time buyers using 3.5% down on FHA to luxury home buyers on a jumbo file, here are the major program families. USDA loans (no money down, up to 100% financing in eligible rural and suburban areas) and our 1% Down conventional option are also available; ask us for details if either looks like a fit.
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.