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Buying a home is within reach

With lower down payment options and more flexibility, the MIDFLORIDA FlexFit mortgage is a perfect solution for first-time homebuyers, making it easier for you to buy the home you want.
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Overview

Looking for a low down payment option?

Saving for a down payment and closing costs can be a major hurdle for some when it comes to buying a home. Our FlexFit home loan helps you reach that goal faster by requiring as little as 3% down, while also allowing the seller to pay towards your closing costs.

Lower down payment
Flexible requirements
Low closing cost options
Not sure where to begin? Our mortgage specialists are here to help. Let us answer your questions and get you on the road to homeownership! Call us at (863) 688-8443 or toll free (855)915-4663 or apply online.

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Features

Learn about FlexFit Mortgages

  • Buy a home with as little as 3% down1
  • Down payment can be a gift from relatives (excellent credit required)
  • Up to 3% of purchase price can be paid by the seller towards buyer’s closing costs
  • Set monthly payments (principal & interest)
  • Fixed interest rate
  • Flexible loan terms - 10, 15, 20 or 30 years
  • No penalty for paying your loan off early
  • Ideal for first-time homebuyers
  • For primary residences (house, condo or townhome)

Things to Consider

  • A mortgage with less than 20% down will require Private Mortgage Insurance (PMI), which could mean a higher monthly payment.
  • To qualify for the FlexFit loan, you must not have owned a home in the last 3 years.
  • Putting less money down would increase your debt-to-income ratio and potentially could mean a higher interest rate.

Refinance

Thinking about refinancing?

Whether you want to lower your monthly payment, pay off your home sooner or get cash out of your home’s equity, see how refinancing your home can help you reach your goals. Talk to a mortgage specialist to find out more.
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Additional Resources

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Home Purchase Basics
Monthly payment calculator

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Notices & Disclosures
1
Membership and eligibility requirements apply. Payment example: A 30-year fixed-rate loan for $150,000 with 3% down at 5.875% and an Annual Percentage Rate (APR) of 6.552% would have a monthly payment of $962.31 which includes principal, interest, and private mortgage insurance. Payment does not include taxes and insurance premiums; actual payment obligation will be greater.