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Introducing the Mortgage Card... (mCard)

A next generation Rewards and Payment MasterCard with features no Credit or Debit card can compare with. 

No application necessary!

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Features

KEY FEATURES

mPowering Your Personal Financial Goals

MORTGAGE REWARDS

Earn up to 5% mortgage cash (mCash) back on every transaction

PERSONALIZED FEATURES

Customize your card features and benefits to suite your personal financial goals 

LINK ALL YOUR ACCOUNTS

Link your Mortgage Card (mCard) to all your bank, finance and rewards accounts 

How it works

How It Works

SIGN UP AND ADD MCARD TO WALLET 

No application needed, just sign up with your mobile number and email and we will send you your mCard that you can add to your Apple or Google Wallet. 

LINK YOUR ACCOUNTS

Next, link all of your personal rewards, credit, bank and gift cards together to your Mortgage Card to maximize the benefits and features of your (mCard). 

PAY WITH YOUR MCARD 

Every time you Tap or Swipe your mCard to pay for things, you earn valuable Mortgage Cash (mCash) that pays your mortgage down faster for you automagically.  

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mCard
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CROSS COUNTRY MORTGAGE MASTERCARD

Paying down your Mortgage with every Tap

Earn up to 5% back in Mortgage Cash (mCash) you can use to pay down your Cross Country Mortgage faster. 

One card connected to all your accounts

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Testimonials

TESTIMONIALS

"I love my Cross Country mCard. It has helped me achieve my dream of owning a home."

John Smith Homeowner

Clients

OUR PARTNERS

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ABOUT

Our Mission

At Cross Country Card, our mission is to help current or aspiring homeowners achieve their financial goals. We offer a range of financial services tailored to your unique needs. Our Mortgage Card (mCard) is the first of its kind card designed to help you pay your mortgage faster, while tapping into the least expensive credit solution on the market today. 

  • Is this a Credit Card?
    No, this is a Next Generation MasterCard. This card is unlike any credit or debit card on the market today. The Cross Country Mortgage MasterCard is a Rewards and Payment card that can connect all of your existing banking, credit, rewards and loyalty accounts to a single card that is focused on helping you pay down your home mortgage faster, or get access to more credit for a new home purchase.
  • Do I need to apply for a Mortgage to get a Cross Country Mortgage MasterCard?
    No, anyone can get a Cross Country Mortgage MasterCard regardless of whether you have a mortgage with Cross Country or you don't have any Mortgage at all.
  • How much does the Cross Country Mortgage Card cost?
    The Cross Country Mortgage Card is a Rewards and Payment card that is FREE to all members. Just by joining our program, you receive the most advanced and powerful card product that has every existed in the United States. Every aspect of this card is to help you personalize your financials services and optimize your benefits for faster and easier paydown of your existing or future mortgage.
  • Will this card help me get a Mortgage faster or easier with Cross Country?
    When you link your Cross Country Mortgage Card to all of your banking accounts, credit lines and rewards accounts, Cross Country gets a much better picture of your entire financial ecosystem and learns about all the places we can help to optimize your money experiences. This makes lending faster, easier and provides you with a much better overall service to personalize your financial services.
Contact

CONTACT

Get in Touch

Contact us today to learn more about our financial services and how we can help you achieve your financial goals.

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Thanks for Contacting Us!

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Credit Card not available for US Territory Residents. Cardholder Agreement and Rewards Terms will be provided prior to application. Cross Country mCard is Powered by mCards Inc and issued by Bangor Savings Bank, a Maine Bank, Member FDIC. MasterCard is a registered trademark of MasterCard Inc. The card may be used everywhere MasterCard is accepted. 

Eligibility requirements for Cross Country Mortgage Card (mCard), does not indicate a commitment to lend or provide a mortgage. 


1.Cross Country Mortgage Card Spending Bonus: you will receive a $200 statement credit after you spend $3,000 on eligible purchases, which must be made in the first 90 days your account is open. Eligible transactions exclude refunds and disputed charges. In order to receive the spending bonus after qualifying, your account must be in good standing at the time of fulfillment. If at any point after the eligible spend period, it is determined that spend was insufficient to meet the threshold, we may cancel the statement credit and add the value back to your principal owed.
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2. Customers earn 5 points for every $1 spent. Points are redeemable towards a new Cross Country mortgage transaction (excluding refinance), an existing Cross Country mortgage additional principal payment, or a statement credit, at different values. Subject to Cardholder Rewards Terms of Use.

3. Up to $8,000 in card points value can be redeemed towards a new Cross Country Mortgage transaction, applied as a cardholder's closing statement, offsetting applicant required funds to close. Not available in conjunction with Third Party originated or Charles Schwab partner loans. These points may be combined with an additional $2,000 in engagement points which will apply as a Lender Credit. Subject to Cardholder Rewards Terms of Use.

4. Redemption available toward additional principal on existing retail Cross Country Mortgage loans. Not available for third party originated, assumed or Charles Schwab partner loans. Not available if servicing for your loan is sold to another party. Subject to Cardholder Rewards Terms of Use. 
5. Cross Country Mortgage, LLC charges a $95 Annual Fee for use of the Cross Country Mortgage Card, which will be waived for customers that have an existing mortgage serviced by Cross Country Mortgage, LLC. The amount and terms of the Annual Fee are included in your Cardholder Agreement. Similarly, Cross Country Mortgage, LLC reserves the right to offer bonuses and benefits and the terms of any offer will be provided separately. The APR range for the Cross Country Mortgage credit lines can be found in the Cardholder Agreement.

6. Impact of using MVI to boost your credit may vary; credit scores are determined by credit reporting bureaus and rely on a number of factors that we cannot predict. Increases or specific changes to your credit score are not guaranteed.

7. These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

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The Cross Country Mortgage Card Rewards calculator is for estimation purposes only. The value of rewards varies according to how you choose to use them. The information provided can help you understand how Cross Country Mortage Cards rewards can work. Calculator assumes rewards points are redeemed exclusively towards an eligible loan serviced by Cross Country Mortgage. Your redemption choices may be influenced by a variety of factors, including point redemption values, preferences among different reward and redemption options, convenience of using points at a given time, and other factors. Redemption options and point values can change at any time.

Cross Country Mortgage

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