Skip to content
Home Mortgage Loans Loan Programs Buy Now, Refinance Later

Buy Now, Refinance Later

White kitchen in a new home purchased through Buy Now, Refinance Later program.

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. 

GET PRE-QUALIFIED

How to beat high mortgage rates

Buy now

  • Find a home
  • Close the purchase loan with us
  • Must close by 3/31/25
  • Get your eligibility certificate

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

Frequently asked questions

  • Participants must close on their purchase loan between 1/03/2023-3/31/2025.

  • This promotion is open to everyone closing on a first lien purchase loan during the promotional period.

  • Participants must make 6 complete payments on their initial mortgage before they are eligible to refinance. Refinance must close before 12/31/2025.

  • At close on your original loan, you’ll receive an eligibility certificate for a lender credit on a refinance as part of this promotion. Once you’ve entered your refinance eligibility period, bring this certificate to your CCM loan officer and they’ll work with you on your refinance.

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 3/31/2025. 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.