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Your dream home awaits

When you’ve found the perfect home, you want the perfect mortgage. A fixed-rate home loan may be just what you’re looking for when you want to lock in your rate and avoid the risk of higher mortgage payments down the road.
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Overview

Looking to lock in a fixed rate on a loan for your new home?

Rates as low as 7.500% / 7.591% APR1

A conventional fixed-rate mortgage offers stability and security by keeping your interest rate the same throughout the life of the loan. You’ll know exactly how much your principal and interest payment will be each month which will make budgeting easier.

10-30 year terms
Predictable payments
Interest rate won’t change
Fixed-rate mortgages are more popular, but adjustable-rate mortgages can provide some cost savings depending on your circumstances. Talk to a mortgage specialist to learn more. Call (863) 688-8443 or toll free (855) 915-4663, request a consultation or start your application online.

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Features

Learn about Fixed-Rate Mortgages

  • Predictable monthly payments (principal & interest)
  • Interest rate does not change
  • You choose your loan term - 10, 15, 20 or 30 years
  • Buy a home with as little as 3% down1
  • No penalty for paying your loan off early

Things to Consider

  • If your taxes and insurance are escrowed, the escrow portion of your monthly payment can change each year. Only the principal and interest payments will remain fixed.
  • Choosing a longer term can lower your monthly payment, but you will pay more in interest over the life of the loan.
  • Your interest rate stays the same even if market rates decrease.
  • The length of time you plan to stay in your home should be considered when choosing a fixed-rate home loan.

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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The latest insight about mortgages from our blog

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Additional Resources

Find a mortgage specialist
Home Purchase Basics
 

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Notices & Disclosures
1
MIDFLORIDA Credit Union Membership, eligibility, and credit approval required. Available for primary residences excluding mobile homes and minimum credit score of 620. Advertised rate is based on a 30 year fixed rate mortgage of $50,000 - $726,200 with 3% down, for purchase of primary residence. Payment example: A 30 year fixed rate loan with credit score of 700 for $300,000 with 3% down at 7.250% and an Annual Percentage Rate (APR) of 7.591% has a monthly payment of $2,097.64 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 April 17, 2024, and subject to change without notice. Other conditions apply. Ask your mortgage loan officer for details.