<input type=hidden name="b_FDCStyle" value="0"><script language="javascript" src="/templateroot/js/skmMenu.js"></script> <!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN" > <HTML>  <span id="_ctl0_lblHeadTags"> <HEAD> <span id="_ctl0_HeadTag_MetaTags_TitleTag"><title>Crossnet Mortgage and Financial Services :: Answers to Your Mortgage Questions</title></span> <span id="_ctl0_HeadTag_MetaTags_DescriptionTag"><meta name="description" content="Crossnet Mortgage and Financial Services,Kenneth Nuzum, Washington,PA,15301"></span> <span id="_ctl0_HeadTag_MetaTags_KeywordsTag"><meta name="keywords" content="Crossnet Mortgage and Financial Services,Kenneth Nuzum, Washington,PA,15301"></span> <span id="_ctl0_HeadTag_GlobalStyles"><LINK rel="stylesheet" TYPE="text/css" href="/templateroot/css/Template0.css"><LINK rel="stylesheet" TYPE="text/css" href="/templateroot/css/Global.css"><LINK rel="stylesheet" TYPE="text/css" href="/templateroot/css/DynamicStyles.aspx?PVLID=&AcctID=301721&P=sfdc_crossnetmortgage"></span> <span id="_ctl0_HeadTag_TemplateCSS"></span> <meta name="GENERATOR" Content="Microsoft Visual Studio .NET 7.1"> <meta name="CODE_LANGUAGE" Content="C#"> <meta name="vs_defaultClientScript" content="JavaScript"> </span> </HEAD> <body id="TemplateBody" MS_POSITIONING="FlowLayout" LeftMargin="0" TopMargin="0"> <table id="ControlTemplate" cellspacing="0" cellpadding="0" Align="left" border="0" bgcolor="#FFFFFF" width="760" style="Width:760;"> <tr> <td align="Left" valign="Top" colspan="3" bgcolor="#FFFFFF" height="0" width="760"> <table id="_ctl0_ControlTemplate" cellspacing="0" cellpadding="0" border="0" width="760"> <tr> <td align="Left" valign="Top"><a id="_ctl0__ctl0_CompanyLogo" href="http://www.crossnetmortgage.com"><img src="http://fdc.rwstools.com/header_images/images/301721/CNLOGO!.gif" alt="" border="0" /></a></td><td align="Left" valign="Top"><span id="_ctl0__ctl1_Label1"><b><a href="http://www.crossnetmortgage.com">Crossnet Mortgage and Financial Services</a></b><br>(888) 222-4665  <br>(724) 229-7700  <br>Fax: (724) 225-6281 <br>Licensed by PA Department of Banking<br>P.O. 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id="_ctl0__ctl2_NavigationMenu-menuItem005-subMenu-menuItem000" onclick="javascript:skm_closeSubMenus(document.getElementById('_ctl0__ctl2_NavigationMenu'));location.href='http://rws.rwstools.com/Data/Connection/cnnApplicationRouter.asp?pvlid=862';" onmouseover="javascript:skm_mousedOverMenu('_ctl0__ctl2_NavigationMenu',this, document.getElementById('_ctl0__ctl2_NavigationMenu-menuItem005-subMenu'), true, '');this.style.backgroundColor='#999999';" onmouseout="javascript:skm_mousedOutMenu('_ctl0__ctl2_NavigationMenu', this,'');this.className='';this.style.backgroundColor='#999999';javascript:this.style.backgroundColor='#FF9966';" style="cursor:pointer;"><font color="#003366">Apply Online</font></td> </tr><tr> <td nowrap="nowrap" id="_ctl0__ctl2_NavigationMenu-menuItem005-subMenu-menuItem001" onclick="javascript:skm_closeSubMenus(document.getElementById('_ctl0__ctl2_NavigationMenu'));location.href='http://rws.rwstools.com/Data/Connection/cnnQuickAppRouter.asp?pvlid=862';" 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color="#003366">Debt Consolidation Calculator</font></td> </tr><tr> <td nowrap="nowrap" id="_ctl0__ctl2_NavigationMenu-menuItem005-subMenu-menuItem004" onclick="javascript:skm_closeSubMenus(document.getElementById('_ctl0__ctl2_NavigationMenu'));location.href='http://rws.rwstools.com/templateroot/Articles/Application.asp?pvlid=862';" onmouseover="javascript:skm_mousedOverMenu('_ctl0__ctl2_NavigationMenu',this, document.getElementById('_ctl0__ctl2_NavigationMenu-menuItem005-subMenu'), true, '');this.style.backgroundColor='#999999';" onmouseout="javascript:skm_mousedOutMenu('_ctl0__ctl2_NavigationMenu', this,'');this.className='';this.style.backgroundColor='#999999';javascript:this.style.backgroundColor='#FF9966';" style="cursor:pointer;"><font color="#003366">Application Process</font></td> </tr> </table><table class="barnavsubitems" cellspacing="2" cellpadding="2" id="_ctl0__ctl2_NavigationMenu-menuItem007-subMenu" border="0" bgcolor="#FF9966" style="display:none;z-index:1008;"> <tr> <td nowrap="nowrap" id="_ctl0__ctl2_NavigationMenu-menuItem007-subMenu-menuItem000" onclick="javascript:skm_closeSubMenus(document.getElementById('_ctl0__ctl2_NavigationMenu'));location.href='http://rws.rwstools.com/templateroot/articles/howDoIBuyAHome.asp?pvlid=862&category=research';" onmouseover="javascript:skm_mousedOverMenu('_ctl0__ctl2_NavigationMenu',this, document.getElementById('_ctl0__ctl2_NavigationMenu-menuItem007-subMenu'), true, '');this.style.backgroundColor='#999999';" onmouseout="javascript:skm_mousedOutMenu('_ctl0__ctl2_NavigationMenu', this,'');this.className='';this.style.backgroundColor='#999999';javascript:this.style.backgroundColor='#FF9966';" style="cursor:pointer;"><font color="#003366">Buying a Home</font></td> </tr><tr> <td nowrap="nowrap" id="_ctl0__ctl2_NavigationMenu-menuItem007-subMenu-menuItem001" 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onclick="javascript:skm_closeSubMenus(document.getElementById('_ctl0__ctl2_NavigationMenu'));location.href='http://rws.rwstools.com/templateroot/Calculators/Payment.asp?pvlid=862';" onmouseover="javascript:skm_mousedOverMenu('_ctl0__ctl2_NavigationMenu',this, document.getElementById('_ctl0__ctl2_NavigationMenu-menuItem009-subMenu'), true, '');this.style.backgroundColor='#999999';" onmouseout="javascript:skm_mousedOutMenu('_ctl0__ctl2_NavigationMenu', this,'');this.className='';this.style.backgroundColor='#999999';javascript:this.style.backgroundColor='#FF9966';" style="cursor:pointer;"><font color="#003366">Monthly Payment</font></td> </tr><tr> <td nowrap="nowrap" id="_ctl0__ctl2_NavigationMenu-menuItem009-subMenu-menuItem001" onclick="javascript:skm_closeSubMenus(document.getElementById('_ctl0__ctl2_NavigationMenu'));location.href='http://rws.rwstools.com/templateroot/Calculators/Amortization.asp?pvlid=862';" 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Payments</font></td> </tr><tr> <td nowrap="nowrap" id="_ctl0__ctl2_NavigationMenu-menuItem009-subMenu-menuItem004" onclick="javascript:skm_closeSubMenus(document.getElementById('_ctl0__ctl2_NavigationMenu'));location.href='http://rws.rwstools.com/templateroot/Calculators/paypoints.asp?pvlid=862';" onmouseover="javascript:skm_mousedOverMenu('_ctl0__ctl2_NavigationMenu',this, document.getElementById('_ctl0__ctl2_NavigationMenu-menuItem009-subMenu'), true, '');this.style.backgroundColor='#999999';" onmouseout="javascript:skm_mousedOutMenu('_ctl0__ctl2_NavigationMenu', this,'');this.className='';this.style.backgroundColor='#999999';javascript:this.style.backgroundColor='#FF9966';" style="cursor:pointer;"><font color="#003366">Paying Points</font></td> </tr><tr> <td nowrap="nowrap" id="_ctl0__ctl2_NavigationMenu-menuItem009-subMenu-menuItem005" 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" />  <table width="100%" border="0"> <tr> <td class="pad"> <span id="_ctl3_lblCompanyName">Crossnet Mortgage and Financial Services</span> can help you find the answers to your mortgage questions with hundreds of informative articles and interactive tools. <p><a id="_ctl3_ApplyOnline" href="/templateroot/Apply.asp?pvlid=862" style="text-decoration:none;font-weight:bold;">Apply Online</a><br> <IMG height="7" alt="Apply Online" src="images/sep.gif" width="445"><br> Fill out our <a id="_ctl3_secureloanapplication" href="/Data/Connection/cnnApplicationRouter.asp?PVLID=862">secure loan application</a> to begin the process. If you're pressed for time, you can also use our <a id="_ctl3_quickapp" href="/Data/Connection/cnnQuickAppRouter.asp?PVLID=862">quick app</a> or request an <a id="_ctl3_applicationpackage" href="/templateroot/LeadForms/AppSF.asp?PVLID=862">application package</a> . <p><a id="_ctl3_PrequalifyNow" href="/Data/Connection/cnnPrequalRouter.asp?pvlid=862" style="text-decoration:none;font-weight:bold;">Prequalify Now</a><br> <IMG height="7" alt="Prequalify Now" src="images/sep.gif" width="445"><br> Prequalify before you buy or refinance.  <a id="_ctl3_Starttheapprovalprocess" href="/Data/Connection/cnnPrequalRouter.asp?pvlid=862">Let us help you start the approval process today.</a> Enter your income and debt to find out what type of home is in your budget. <P> <table id="_ctl3_intRatesPnl" cellpadding="0" cellspacing="0" border="0" width="100%"><tr><td> <a id="_ctl3_InterestRates" href="/Data/Connection/cnnRateRouter.asp?pvlid=862" style="text-decoration:none;font-weight:bold;">Interest Rates</a><BR> <IMG height="7" alt="Interest Rates" src="images/sep.gif" width="445"><BR> Browse through our <a id="_ctl3_currentinterestrates" href="/Data/Connection/cnnRateRouter.asp?pvlid=862">current interest rates</a> and learn which program is best for your particular needs. </td></tr></table></p> <p><a id="_ctl3_MortgageLibrary" href="/templateroot/Articles.asp?pvlid=862&ArticleID=1038" style="text-decoration:none;font-weight:bold;">Mortgage Library</a><br> <IMG height="7" alt="Mortgage Library" src="images/sep.gif" width="445"> Find a wealth of mortgage information about <a id="_ctl3_credit" href="/templateroot/Articles/Credit.asp?PVLID=862">credit</a>, <a id="_ctl3_loanprograms" href="/templateroot/Articles/LoanPrograms.asp?pvlid=862">loan programs</a>, <a id="_ctl3_refinancing" href="/templateroot/Articles/refinance.asp?PVLID=862">refinancing</a> and more to help you through the mortgage process.</p> <p><a id="_ctl3_MortgageCalculators" href="/templateroot/calculators.asp?pvlid=862" style="text-decoration:none;font-weight:bold;">Mortgage Calculators</a> <br> <IMG height="7" alt="Mortgage Calculators" src="images/sep.gif" width="445"><br> Try out our interactive <a id="_ctl3_calculators" href="/templateroot/calculators.asp?pvlid=862">calculators</a>. You can figure out how much your <a id="_ctl3_payments" href="/templateroot/Calculators/payment.asp?PVLID=862">payments</a> will be, how much you can <a id="_ctl3_afford" href="/templateroot/Calculators/Afford.asp?PVLID=862">afford</a> and much more. </p> </td> </tr> </table>  <script language="javascript" type="text/javascript">  </script> <script language="javascript">skm_registerMenu('_ctl0__ctl2_NavigationMenu',new skm_styleInfo('','','','','','','','','',''),new skm_styleInfo('','','','','','','','','',''),2,false);</script> </form></td><td align="Left" valign="Top" colspan="1" bgcolor="#FFFFFF" height="200" width="160">  <table id="_ctl4_menuTable" border="0"> <tr> <td onclick="document.location='/data/connection/cnnapplicationrouter.asp?pvlid=862'"><nobr><a href='/data/connection/cnnapplicationrouter.asp?pvlid=862'><img src="/templateroot//images/template0/photo_apply.jpg" alt="Apply Now" width="150" height="132" hspace="6" align="absmiddle" border="0"></a></nobr></td> </tr><tr> <td onclick="document.location='/templateroot/rates.asp?PVLID=862'"><nobr><img src="/templateroot//images/template0/icon_rates.gif" alt="Interest Rates" width="21" height="17" hspace="6" align="absmiddle"><a href="/data/connection/cnnRateRouter.asp?PVLID=862">Interest Rates</a></nobr></td> </tr><tr> <td onclick="document.location='/templateroot/prequal.asp?PVLID=862'"><nobr><img src="/templateroot/images/template0/icon_prequal.gif" alt="Prequalify" width="21" height="17" hspace="6" align="absmiddle"><a href="/data/connection/cnnPrequalRouter.asp?PVLID=862">Prequalify</a></nobr></td> </tr><tr> <td onclick="document.location='/templateroot/apply.asp?PVLID=862'"><nobr><img src="/templateroot/images/template0/icon_apply.gif" alt="Apply Online" width="21" height="17" hspace="6" align="absmiddle"><a href="/data/connection/cnnApplicationRouter.asp?PVLID=862">Apply Online</a></nobr></td> </tr><tr> <td onclick="document.location='/templateroot/Articles/Application.asp?pvlid=862&ArticleID=1038'"><nobr><img src="/templateroot/images/template0/icon_dictionary.gif" alt="Mortgage Dictionary" width="21" height="17" hspace="6" align="absmiddle"><a href="/templateroot/Articles/Application.asp?PVLID=862&ArticleID=1038">Mortgage Dictionary</a></nobr></td> </tr><tr> <td onclick="document.location='/templateroot/Articles/MarketSnapshot.asp?pvlid=862'"><nobr><img src="/templateroot/images/template0/icon_snapshot.gif" alt="Market Snapshot" width="21" height="17" hspace="6" align="absmiddle"><a href="/templateroot/Articles/MarketSnapshot.asp?PVLID=862">Market Snapshot</a></nobr></td> </tr><tr> <td onclick="document.location='/templateroot/Articles/MarketCommentary.asp?PVLID=862'"><nobr><img src="/templateroot/images/template0/icon_commentary.gif" alt="Market Commentary" width="21" height="17" hspace="6" align="absmiddle"><a href="/templateroot/Articles/MarketCommentary.asp?PVLID=862">Market Commentary</a></nobr></td> </tr><tr> <td onclick="document.location='/templateroot/LeadForms/NewsletterCenter.asp?pvlid=862'"><nobr><img src="/templateroot/images/template0/icon_newsletter.gif" alt="Newsletter Signup" width="21" height="17" hspace="6" align="absmiddle"><a href="/templateroot/LeadForms/NewsletterCenter.asp?PVLID=862">Newsletter Signup</a></nobr></td> </tr><tr> <td onclick="document.location='http://rws.rwstools.com/templateroot/LeadForms/contact.asp?pvlid=862'"><nobr><img src="/templateroot/images/template0/icon_contact.gif" alt="Contact Us" width="21" height="17" hspace="6" align="absmiddle"><a href="http://rws.rwstools.com/templateroot/LeadForms/contact.asp?PVLID=862">Contact Us</a></nobr></td> </tr> </table>  </td> </tr><tr> <td align="Left" valign="Top" colspan="3" bgcolor="#FFFFFF" height="0" width="760"><table id="_ctl5_FooterTable" cellspacing="0" cellpadding="0" border="0"> <tr id="_ctl5_Tablerow2"> <td id="_ctl5_Tablecell1"><span id="_ctl5_lblHLine"><table border="0" cellpadding="0" cellspacing="0" width="760"><tr><td id="footer" bgColor="#FF9966"> </td></tr></table></span></td> </tr><tr id="_ctl5_Tablerow1"> <td id="_ctl5_contactInfo" align="Center"><span id="_ctl5__ctl0_ContactInfo"><nobr><b>Crossnet Mortgage and Financial Services</b></nobr><br><nobr>Licensed by PA Department of Banking</nobr><br><nobr>P.O. Box 939</nobr><br><nobr>Washington, PA 15301</nobr><br>(888) 222-4665 <br>(724) 229-7700  <br>Fax: (724) 225-6281<br></span> </td> </tr><tr id="_ctl5_Row1"> <td id="_ctl5_cell1" align="Center"><table border="0" cellpadding="5" cellspacing="0" width="760"><tr><td align=center nowrap><img src="/templateroot/images/eho.gif" border=0 alt="Equal Housing Opportunity"><br>Copyright © 2007 Lion, Inc. All Rights Reserved</td></tr></table></td> </tr><tr id="_ctl5_Row2"> <td id="_ctl5_Cell2"></td> </tr> </table> </td> </tr> </table> </body> </HTML>