More loans. More homes. More happy people.
Financing
The Litton Team, CrossCountry Mortgage | Roger Minner, Minner Realty Group
Loan Programs
VA Home Loans
No Loan Limits for Veterans
Buy or refi through our VA financing program. We make the dream of homeownership possible for those who've served in the military. No loan limits mean more purchasing power for you!
Easy Requirements
- Credit scores as low as 580
- No down payment or mortgage insurance
- Condos, townhouses, single-family homes, 2-4 unit income properties
Outstanding Benefits
- 100% financing, 30-year fixed rates
- Closing cost credits available
- Funding fee waived with a 10% VA disability or greater
- You can reuse your VA eligibility
Get the benefits you deserve with a VA home loan. Call or email today!
Bridge Loan
Buy Before You Sell
You've found the perfect new home, but you have to sell your current one first. Or do you? Use our Bridge Loan to borrow against your current home to finance the new one. As a bonus, you can make a stronger purchase offer by removing the sale contingency.
Features
- Primary residences in most states
- 4-month loan term
- No payments collected during Bridge Loan term
- Loan amounts: $50,000 – $700,000 (up to 85% loan-to-value)
- No appraisal (requires Broker Price Opinion)
Requirements
- Finance new property with CrossCountry Mortgage
- Close Bridge Loan simultaneously with new purchase
- Minimum credit score 680
Call or email today!
USDA Rural Development Loan
Wide Open Spaces, No Down Payment
Get away from it all with a 0%-down USDA Rural Development Loan. A USDA loan can be your path to peace and tranquility. Whether you're purchasing your first home or refinancing your current loan, your best interests and long-term financial success will always be our top priority.
Rural Life Has Its Advantages
- Helps people in rural and some suburban areas
- 100% financing, no down payment
- Low to moderate income applicants are welcome
- 30-year fixed rates, purchase or refi
- Condo, townhouse & single-family homes eligible in designated rural areas
- Seller can contribute up to 6% of sale price toward closing costs
Contact me today to find out what's possible with a USDA loan.
FHA Loans
Homeownership Is Possible
At CCM, we believe everyone deserves a place to call home, and it's our goal to get you the loan you want and the loan you deserve. We do that by understanding each specific situation and finding the perfect fit — even when you have a lower credit score, even as low as 500!
How to Qualify for Your FHA Loan
- Credit score between 500–579
- Minimum 10% down payment
- Must have eligible AUS approval
Call me today to get started!
Conventional Loans
As a Homebuyer, You Have Options
Our conventional loans offer competitive rates plus a variety of choices for terms and down payments. We'll structure the right mortgage to help you achieve your homeownership goals and close as quickly as possible.
Fixed-Rate Mortgages
- Ideal if you'll live in the home long-term
- Interest rate doesn't change, for stable monthly payments
- Down payments as low as 3%
- No mortgage insurance with 20% down or more
- Repayment terms from 10 to 30 years
Adjustable-Rate Mortgages (ARMs)
- Ideal if you'll move after a few years
- Initial payment may be lower than a fixed-rate mortgage
- Rate is fixed for 3, 5, 7, or 10 years, then becomes variable
- Set caps to protect against significant rate increases
- Repayment terms from 10 to 30 years
Ready to get started? Let's connect today!
CCM Product Portfolio
More loans. More homes. More happy people.
Standard Programs
- Conventional
Fixed and adjustable-rate mortgages with flexible terms. Best for those who can pay 3% or more down.
- FHA
Down payments as low as 3.5% and higher DTI limits—great for less-than-perfect credit.
- VA
100% financing with no down payment for Service Members and Military Families.
- USDA
Offers rural homeowners up to 100% financing.
- Jumbo
As little as 10% down and no mortgage insurance on high-cost homes.
Specialty Agency Programs
- Bye-Bye PMI
Put just 15% down without paying mortgage insurance.
- LLPA Waivers
More affordable options for qualified first-time and rural buyers.
- ADU
Use ADU rental income to qualify or consolidate construction costs.
- Student Loan Cash-Out
Use home equity to pay down student loan debt.
Construction & Renovation
- One-Time-Close Construction
Combine lot purchase and building costs; lock the rate up front.
- Renovation Loans
Include mortgage financing and renovation costs in one loan.
- Renovation HELOC
Borrow up to 125% of current value to finance improvements.
Down Payment Assistance
- CCM Smart Start
Covers 2% (up to $5,250) for first-time homebuyers.
- The National
4% assistance as a 30-year fixed interest-only second mortgage.
- Chenoa & Essex
Pairs with FHA; 3.5% or 5% assistance as a repayable second.
- HFA Programs
Partnered with 60+ housing finance agencies for affordable options.
Contact
Bill Litton
Regional President — The Litton Team, CrossCountry Mortgage
- NMLS 147060 | Branch NMLS 2340315
- Office: 484.352.4151 | Mobile: 302.540.7650
- Email: bill.litton@ccm.com
- 6 Dickinson Drive, Unit 213, Chadds Ford, PA 19317
Roger Minner
Minner Realty Group | real Broker, LLC | real Military
- License# RS337176
- Office: 855.450.0442 | Mobile: 610.742.1989
- Email: rogerminnerhomes@gmail.com
- 500 W Office Center Drive, Fort Washington, PA 19034
Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions apply. Call for details. All borrowers must meet minimum credit score, loan-to-value, debt-to-income, and other requirements to qualify for any mortgage program. CrossCountry Mortgage, LLC NMLS3029 (www.nmlsconsumeraccess.org). CrossCountry Mortgage, LLC is not affiliated with, or acting on behalf of or at the direction of, any government agency.