Buying now, means saving later

Don’t fixate on rate


You’ve been looking to buy, but high rates are holding you back. Don’t let rates keep you from getting the home you love. Buy with us now, and if rates fall, you can refinance to the lower rate. To sweeten the deal, we’ll provide a lender credit of up to $1,500*, helping you save upfront on the refinance, and thousands down the line.

Kitchen in a new home

How to beat high rates

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Buy Now

Find a home


Close the purchase loan with us

Must close by 3/31/2024

Get your eligibility certificate

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Refinance Later

If rates go down, refinance at the lower rate

Refinance after 6 full payments through 12/31/2025

Bring your eligibility certificate to your CCM loan officer


Close on your refinance loan


Get a lender credit of up to $1,500

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Frequently asked questions



Terms and Conditions: Participating branches only. The Buy Now, Refinance Later promotion is valid on CrossCountry Mortgage first lien, purchase loans closed between 1/3/2023 and 3/31/2024. After 6 full payments, the borrower is eligible to refinance the purchase loan with CrossCountry Mortgage and receive a lender credit up to $1,500 towards applicable lender fees (underwriting, application, commitment and processing fees). The CrossCountry Mortgage refinance must be closed on or before 12/31/2025. Refinance loan is subject to underwriting and collateral approval and must be a first mortgage or deed of trust. Only one lender credit per new loan. This lender credit is void where prohibited and is non-transferrable, subject to the terms herein, and valid on complete and closed loans only. By refinancing an existing loan, your total finance charges may be higher over the life of the loan. Some loans may be subject to prepayment penalties. Not all borrowers will qualify. This promotion may not be combined with any other offers, discounts or promotions. This is not a commitment to lend. To claim to the credit, borrower must present their Buy Now, Refinance Later Eligibility Certificate at the time of application for refinance loan.