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Make homeownership a reality

FHA/VA/USDA mortgages make homeownership possible for many! These specialized, government-backed home loans are easier to qualify for, require little to no money down, and offer great rates.


Government insured mortgage programs

FHA/VA/USDA loans are government-sponsored mortgages intended to help families become homeowners with little to no down payment required. For that reason, these loans are easier to qualify for and can only be applied toward your primary residence.

Afford more home
Annual & lifetime rate caps
Lower initial payment
Talk to a mortgage specialist today by calling (863) 688-8443 or toll free (855) 915-4663, or start your application online.

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Learn about FHA/VA/USDA Loans

FHA Loan

Loans insured by the Federal Housing Administration (FHA) are a great option for people with less than perfect credit, who might not otherwise qualify for a mortgage.

  • Down payment options as low as 3.5%
  • Gift funds can be used toward down payment and/or closing costs
  • Fixed- and adjustable-rate loans
  • Allows you to qualify with a co-applicant, even if they don’t live with you
  • Requires FHA mortgage insurance

VA Loan

VA loans, which are guaranteed by the Department of Veteran Affairs, were designed to help military service members, veterans and eligible spouses buy a home.

  • Offer low or no down payment options
  • No mortgage insurance required
  • Fixed- and adjustable-rate loans
  • One-time VA funding fee, which can be included in the loan


USDA loans are backed by the U.S. Department of Agriculture and allow borrowers to purchase a home with no down payment in eligible rural or less-dense suburban areas.

  • 100% financing of property’s appraised value
  • For specific properties the USDA designates as rural
  • For purchases or refinances
  • 30-year fixed-rate loans only
  • Maximum household income restrictions apply
  • Requires mortgage insurance

Homeowners Insurance

Are you covered?

Protect your home inside and out. Compare multiple carriers to find the best deal available. Insurance products provided by MIDFLORIDA Insurance Services, LLC. Lic. #L084232

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Notices & Disclosures
MIDFLORIDA Credit Union Membership, eligibility, and credit approval required. Payment example: A 30-year fixed-rate loan for $300,000 with a minimum credit score of 600 with 3.5% down at 7.250% and an Annual Percentage Rate (APR) of 7.321% would have a monthly payment of $2,046.53 which includes principal and interest. Payment example does not include amounts for taxes, insurance premiums, or mortgage insurance; the actual payment obligation will be greater. Advertised terms are valid as of March 01, 2024, and subject to change without notice. Other conditions apply. Ask your mortgage loan officer for details.