Exclusive Programs → CCM Benefits

Exclusive Mortgage Programs Through The Polder Group

Some homebuying situations require solutions beyond traditional mortgage financing. Through CrossCountry Mortgage, The Polder Group offers access to exclusive programs designed to help buyers compete more effectively, navigate complex timing challenges, secure interest rate protection, and create greater flexibility throughout the homebuying process.

These programs may not be available through every lender and can provide unique advantages depending on your goals, qualifications, and financing needs.

CCM CashPlus

Compete more effectively against cash buyers.

CCM CashPlus helps eligible buyers present a cash-backed offer designed to strengthen their position in competitive markets while still obtaining long-term mortgage financing.

Potential Benefits

✓ Compete against cash buyers

✓ Increase seller confidence

✓ No appraisal contingency

✓ No financing contingency

✓ Reduced financing-related delays

Best For

• Conventional financing
• Primary residence purchases
• Buyers working with a licensed real estate agent
• Multiple-offer situations

FAQ

Does CashPlus mean I'm paying cash?

No. CashPlus allows eligible buyers to obtain mortgage financing while leveraging a cash-backed purchasing solution.

Lock2Sell

Help your home stand out with a lower advertised mortgage rate.

Lock2Sell is an exclusive CrossCountry Mortgage program that allows eligible home sellers to secure a discounted mortgage interest rate that can be offered to qualified buyers. The lower rate can be featured in marketing materials and MLS listings, helping attract more attention from buyers and potentially increase affordability.

How It Works

1. Lock a discounted mortgage rate through the program.
2. Market the reduced rate with your home listing.
3. Buyers see the lower available rate while shopping.
4. Eligible buyers may use the discounted rate when purchasing the home.

Potential Benefits

✓ Make your listing more attractive to buyers

✓ Highlight a lower mortgage rate in marketing materials

✓ Increase buyer interest and affordability

✓ Differentiate your home from competing listings

✓ Rate may be locked for up to 60 days

Best For

• Homeowners preparing to sell
• Sellers in competitive markets
• Listings needing additional buyer attention
• Homeowners looking for creative marketing advantages

FAQ

How can a lower mortgage rate help sell my home?

A lower available interest rate may improve affordability for buyers, helping your home stand out from competing listings and potentially generating more interest.

Lock Before You Look

Lock your rate before you find a home.

CCM Lock Before You Look allows eligible buyers to secure an interest rate before they begin shopping, helping provide protection if rates increase while they're searching for the right home.

How It Works

1. Apply for your mortgage and receive credit approval.
2. Lock your interest rate for up to 90 days.
3. Shop for a home with added confidence.
4. Once your offer is accepted, move forward toward closing.

Potential Benefits

✓ Protection against rising interest rates

✓ Up to 90 days to shop for a home

✓ More certainty when planning your budget

✓ Confidence while navigating changing market conditions

✓ Ready to move quickly when you find the right property

Best For

• Buyers actively searching for a home
• Homebuyers concerned about rising rates
• Buyers who want more payment certainty while shopping
• Borrowers who may need additional time to find the right home

FAQ

Can I lock my mortgage rate before finding a house?

With CCM Lock Before You Look, eligible borrowers may be able to lock an interest rate before selecting a property, helping provide protection while they continue their home search.

Extended Rate Lock

Protect your rate when your closing timeline is longer than normal.

An Extended Rate Lock allows eligible borrowers to secure an interest rate for an extended period of time, helping provide protection from rising rates during longer construction or build timelines. This can be especially valuable when purchasing a newly built home that may not be ready for closing for several months.

Potential Benefits

✓ Protection against rising interest rates

✓ Greater certainty during the construction process

✓ More predictable future mortgage payments

✓ Reduced concern about market volatility

✓ Added confidence while waiting for your home to be completed

Best For

• New construction homebuyers
• Homes with extended build timelines
• Buyers concerned about future rate increases
• Borrowers seeking greater payment certainty

FAQ

Why would I need an Extended Rate Lock?

Traditional rate locks may not last long enough for new construction projects or delayed closings. An Extended Rate Lock helps eligible buyers maintain rate protection while waiting for their home to be completed.

Line of Duty Death Benefit (LODDB)

Protection for those who protect our communities.

The CCM Line of Duty Death Benefit is an exclusive CrossCountry Mortgage program designed to provide additional financial protection for eligible first responders and transit workers. If a covered line-of-duty death occurs, the program may cancel the remaining mortgage balance up to $525,000, helping protect surviving family members from a significant financial burden.

Potential Benefits

✓ Mortgage balance protection up to $525,000

✓ Available to eligible first responders and transit workers

✓ Covers qualifying work-related incidents

✓ Additional peace of mind for families

✓ Available on eligible purchase and refinance transactions

Who May Benefit?

• Federal, state, county, or municipal first responders
• Law enforcement officers
• Firefighters and rescue personnel
• EMS professionals
• Eligible transit workers

Eligible Property Types

• Primary residences
• Second homes
• Investment properties

Program eligibility and loan requirements apply.

FAQ

Who qualifies for the Line of Duty Death Benefit?

The program is available to eligible first responders and transit workers who meet program requirements. Eligibility may vary based on employment status, loan type, and other program guidelines.

A unique benefit available through CrossCountry Mortgage designed to support the families of those who serve our communities.

CCM Bridge Loan

Buy your next home before selling your current one.

A CCM Bridge Loan allows eligible homeowners to access equity from their current home before it sells, helping provide funds for the purchase of a new home. This can help remove the pressure of selling first and may strengthen your purchase offer by eliminating the need for a home sale contingency.

Potential Benefits

✓ Buy before selling your current home

✓ Access equity from your existing property

✓ No monthly payments collected during the bridge loan term

✓ May strengthen your purchase offer

✓ Reduce the stress of coordinating two transactions

Program Highlights

• Available for eligible primary residences
• Loan amounts from $50,000 to $700,000
• Up to 85% loan-to-value (LTV)
• No appraisal required (Broker Price Opinion required)
• Four-month loan term

Best For

• Homeowners with significant equity
• Buyers purchasing a replacement home
• Move-up buyers needing flexibility
• Homeowners who want to avoid selling before buying

FAQ

Can I buy a new home before selling my current one?

Yes. A CCM Bridge Loan is designed to help eligible homeowners leverage equity from their current home to purchase a new property before the existing home is sold.

CCM Easy Move

Ease into homeownership with lower payments during your first months in the home.

CCM Easy Move is designed to help eligible FHA borrowers transition into homeownership by using seller or builder contributions to help cover mortgage interest payments during the first months after closing. This can provide additional financial flexibility while adjusting to homeownership expenses and moving costs.

Potential Benefits

✓ Lower initial mortgage payments

✓ Additional flexibility during the move-in period

✓ Seller or builder contributions may be used

✓ Up to six months of mortgage interest assistance

✓ Easier transition into homeownership

Best For

• FHA homebuyers
• First-time homebuyers
• Buyers managing moving expenses
• Borrowers seeking additional payment flexibility after closing

Important to Know

• Available on eligible FHA loans only
• Assistance may cover up to the first six months of mortgage interest payments
• Full mortgage payments begin after the assistance period ends
• Program guidelines and contribution limits apply

FAQ

How does CCM Easy Move work?

The program allows eligible seller or builder contributions to be applied toward mortgage interest payments during the early months of homeownership, helping ease the transition into your new home.