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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 StartedBuy A Home with Just 3% Down
Our 97% Financing program 1 helps make your first home more accessible. With a low down payment and personalized support from local mortgage experts, MIDFLORIDA makes buying a home easier than ever.
What You Get
A Smarter Way to Become a Homeowner
Only 3% Down
Keep more money in your pocket for moving costs, furniture, or savings while still securing a competitive mortgage.1
Competitive Rates
We offer competitive mortgage rates designed to keep your monthly payments manageable and your long‑term costs lower.
Personalized Support
From pre‑approval to closing day, our team walks you through every step — making the homebuying process clear, smooth, and stress‑free.
First Steps
Start Your Application
Mortgage specialists
Find Your Perfect Mortgage with Expert Help
Buy vs. Rent Calculator
See How Much You Can Save
Your Questions Answered
With 97% financing, the borrower provides a lower down payment while the loan covers most of the home’s purchase price. This can reduce the upfront cost of buying a home. Specific requirements, guidelines, and program availability may vary, so your lender can help explain what applies to your individual scenario.
Low‑down‑payment mortgages are often helpful for homebuyers who have stable income but want to keep more cash available for moving costs, savings, or other expenses. Many first‑time buyers choose this type of loan because it can make homeownership more accessible. Eligibility will vary, so it’s always a good idea to speak with a loan officer about your situation.
Not necessarily. Mortgage programs often consider several factors beyond credit scores, such as income stability, debt levels, and overall financial history. Your lender can review your full profile and help you understand what options may be available to you.
Your down payment and closing costs are separate expenses. You may still be responsible for standard closing costs, which can include items such as inspections, title services, and lender fees. A mortgage specialist can walk you through what to expect based on your homebuying plans.
