Top 3 Mortgage Lenders in Cross Junction

First Bank has been serving the Northern Virginia region for over two decades with exceptional mortgage services. As a community-focused bank with multiple branches in the Winchester area, they provide personalized service to Cross Junction residents. Their mortgage team receives consistently high ratings for competitive rates, local decision-making, and expertise with rural property financing common in Frederick County. They specialize in both purchase and refinance loans with particular strength in VA and USDA loans relevant to the area.

New American Funding is a national lender with strong local presence serving the Cross Junction and Winchester markets. They receive outstanding reviews for their competitive rates and exceptional customer service, particularly for first-time homebuyers and military families. Their local loan officers understand the specific needs of Frederick County residents and offer a wide variety of loan programs with flexible qualification criteria. They are known for their efficient processing and digital mortgage experience while maintaining personal service.

Apple Federal Credit Union has been a trusted mortgage lender in Northern Virginia for nearly three decades, serving Cross Junction residents through their regional presence. As a not-for-profit financial cooperative, they offer highly competitive rates and lower fees than many traditional banks. Their mortgage specialists receive excellent reviews for patient guidance through the homebuying process and expertise with various loan types. They are particularly strong with first-time homebuyer programs and offer exclusive member benefits that make homeownership more affordable in the Frederick County area.