Terms of Use & Program Disclaimer
Nightingale Advantage | CrossCountry Mortgage
Program Overview
CrossCountry Mortgage loan officers, through the Nightingale Advantage loan option, may offer up to 0.5% of the loan amount as a lender credit toward eligible closing costs or interest rate reduction.
Example: On a $450,000 purchase price with 5% down ($427,500 loan amount), your potential Nightingale Advantage credit would be $2,137.50.
Loan amounts, rates, and program eligibility vary based on credit, income, and other factors.
- This offer does not apply to brokered or bond loans.
- Credit may be used to reduce closing costs or buy down the interest rate.
- Not a commitment to lend. All loans are subject to credit and collateral approval.
Sample Credit Chart
| Loan Amount | Potential Lender Credit (0.5%) |
|---|---|
| $450,000 | $2,250 |
| $500,000 | $2,500 |
| $550,000 | $2,750 |
*Final credit amount is based on the actual loan amount and program eligibility.
Eligible States
The Nightingale Advantage is currently available in the following states:
AZ, CA, CO, CT, FL, GA, IA, ID, IL, KS, MI, MN, MO, NE, NM, NV, OH, OR, PA, SC, TN, TX, WI, WY
Disclosures & Conditions
- This is not a commitment to lend.
- Prices, programs, and guidelines are subject to change without notice.
- Not all products are available in all states.
- Subject to credit review, income verification, and appraisal.
- Credit may not be available for all loan types or transaction structures.
- Maximum lender credit under the Nightingale Advantage is $7,500, and cannot exceed actual closing costs. Escrow and prepaid items are excluded.
- Loan must close on or before December 31, 2025 to be eligible.
- Please reference “Nightingale Advantage” when applying with your CrossCountry Mortgage loan officer.
Serving Those Who Serve
The Nightingale Advantage is CrossCountry Mortgage’s way of honoring healthcare workers, first responders, and military personnel with real financial support on their path to homeownership.
