MIDFLORIDA, Your Community Credit Union.

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Information for You

Financial Relief

We understand the hardships and financial stresses that you may be experiencing, and MIDFLORIDA is committed to providing additional support to our members. Here are ways we can help:

Receiving funds from FEMA?

To ensure your direct deposit is processed accurately and timely, be sure to provide the following key information:

MIDFLORIDA’s Routing Transit/ABA Number: 263179804
Account Number:

  • For Checking: Use your MICR number. This can be found on the bottom of your MIDFLORIDA checks between the routing number and the check number. You can also find this number within Online Banking under “View / Edit Accounts.”
  • For Savings: Log into Online Banking and click on “View / Edit Accounts.”

Skip a Payment

Fees associated with skipping a payment will be temporarily waived.

  • Auto loan, personal loan (not including line of credit), recreational loan and share-secured loan payments can be skipped within the Mobile App (on the home screen) or Online Banking (go to the loan details page).
  • Credit card payments can be skipped by calling (863) 688-3733 or toll free (866) 913-3733.
  • Personal line of credit payments can be skipped by calling our Loan Department at (863) 284-5626 or toll free (855) 560-5626.
  • Home Equity loan payments can be skipped by calling our Second Mortgage department at (863) 595-1255.

Mortgage Payment Relief

You can request help with your mortgage by calling our Mortgage Department at (863) 688-8443 or toll free (855) 913-4663.

  • MIDFLORIDA will not be assessing late fees on mortgage payments due in September for all first mortgages serviced by MIDFLORIDA.
  • Mortgage holders may seek a mortgage forbearance, which is an agreement that can assist borrowers in meeting their mortgage payment obligations.

Understanding a Mortgage Forbearance

Using a forbearance agreement, MIDFLORIDA can temporarily reduce or suspend mortgage payments. Interest will still accrue but there would be no negative marks on your credit.

Borrowers in areas that are eligible for individual federal assistance, and who have mortgages owned by Freddie Mac or Fannie Mae, may seek a forbearance request. The forbearance options start with a maximum of 90 days but can be extended up to 12 months with further approval.

Once the agreement expires, borrowers must be financially capable of repaying the amount missed or reduced payments. This can be achieved through a lump sum, payment plan or loan modification.

Benefits of a mortgage forbearance:

  • Gives you time to recover or get back on your feet after a natural disaster
  • Frees up cash to spend on temporary relocation, your safety, or large insurance deductibles.

Risks of a mortgage forbearance:

  • Missing payments that include escrow will cause a shortage in the escrow account. This will most likely result in a higher payment next year to make up the difference.
  • If the amount in forbearance is not paid in a lump sum or through a 12-month payment plan after the forbearance period, the term of the mortgage will be extended through modification. The mortgage would not be paid off at the original maturity date.
  • Interest will continue to accrue which means you will end up paying more for the mortgage over the life of the loan.

To see if your loan is owned by Fannie Mae and eligible for forbearance, go to http://www.knowyouroptions.com/relief You can also call 1-800-2FANNIE or visit www.fanniemae.com/Irma.

To see if your loan is owned by Freddie Mac and eligible for forbearance, visit https://ww3.freddiemac.com/loanlookup/ or call 1-800-373-3343.