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Join MIDFLORIDA Today!
Experience the benefits of credit union membership, including low fees, great rates and personalized service. Become a member and start banking smarter with us.
Get StartedRefinance affordably with a fixed rate mortgage
With a 5.49% / 5.66% APR¹ on a 30-year fixed refinance, you can reclaim control of your finances. MIDFLORIDA Credit Union is here to help you make your home feel a little more comfortable.
Get Started
How it Works
Refinancing Made Simple
Ready to take a little pressure off your budget and open the door to new possibilities? Our 5.49% / 5.66% APR¹ 30-year fixed refinance mortgage can help you lower your monthly payments and put more of your money toward what matters most.
Check Eligibility
Share basic details about your situation, and we’ll help you understand whether you qualify.
Get Your Rate
Get your personalized interest rate, loan amount, and terms for a 30-year fixed-rate refinance loan.
Lock Your Rate
Once approved, you’ll pay your new lower monthly payment with a locked in interest rate.
Features
Lower Payments. Bigger Possibilities.
As your credit union, we’re your partner in personal and financial growth. We’ll help you refinance your mortgage for an affordable monthly payment and interest rate. Get straightforward financing with our 30-year fixed refinance loan.
Key Benefits
- Enjoy lower, more predictable payments for the life of your loan.
- Lock in today’s lower rate to save over the long term.
- Build equity faster as more of your payment goes toward principal.
- Protect yourself from future rate increases with a fixed rate.
- Pay off your loan early without penalty.
Thinking about a cash-out refi or different term? Consider our other refinancing options.
How to Apply
Get Started Your Way
Apply Online or In Person
Get started online or connect with a mortgage specialist at 855-560-5626 for personalized guidance every step of the way.
1. MIDFLORIDA Credit Union Membership, eligibility, and credit approval required. Available for rate term refinances on primary residences excluding mobile homes. A minimum credit score of 700 is required with a maximum loan to value of 70.00% and loan amount of $2,000,000. A Rate term refinance is defined as paying off the first lien with no additional cash received at closing. Payment example: A 30-year fixed rate loan for $300,000 at 5.490% and an Annual Percentage Rate (APR) of 5.657% has a monthly payment of $1,701.49 which includes principal and interest. Payment example does not include amounts for taxes, insurance premiums, or private mortgage insurance premiums; the actual payment will be greater. Advertised terms are valid as of December 1, 2025, and subject to change without notice. Other conditions apply. Ask your mortgage loan officer for details.
