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Mortgages

make your dream home a reality

Whether you're buying your first home or fixing up your current one, we have a loan that will help you finance the home you've always wanted. 

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overview

Find the Mortgage that Fits

Determining what type of mortgage to get can be confusing and difficult. But with MIDFLORIDA Credit Union, it’s easy. Whether you are buying your first home, refinancing your existing home, or looking to finance new home construction - we can help.
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Local Decisions 

As a community-focused credit union, we understand the local market and are committed to helping you achieve homeownership.
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Guided Help

Our Mortgage Specialists are dedicated to providing one-on-one support to help you choose the right loan.
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Specialized Loan Options

Whether you're looking for a jumbo loan, construction loan, or land loan, we offer tailored solutions for your unique homeownership needs.
Special Offer

Buy Sooner with Just 3% Down

Put as little as 3% down with 97% financing and take the next step toward homeownership.1 A smart option for qualified buyers looking to keep more money in their pocket.
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Start Your Application

Take the guesswork out of your home search. By knowing how much you can afford, you can find the perfect home that fits your budget and be one step closer to moving in. Start your application now and we'll be happy to walk you through the next steps.
Mortgage specialists

Find Your Perfect Mortgage with Expert Help

Not sure which mortgage loan is right for you? Our Mortgage Specialists are here to guide you every step of the way. Contact a local expert to get personalized advice and find the loan that fits your needs. Locate a Mortgage Specialist or call (863) 688-8443 or toll free (855) 915-4663.
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Flexible Mortgage Loans 

We offer a variety of mortgage products. Scroll through the list to consider the right solution for your homeownership journey.

Select 100

With 100% financing and $0 down, your dream home is closer than you think. Skip the big upfront costs and start your homebuying journey with confidence.*
Select 100

Fixed-Rate Mortgage

Financing with a fixed-rate mortgage provides you with the stability of always knowing what your principal and interest payments will be each month.
Fixed Rate Mortgage

Adjustable-Rate Mortgage

An adjustable-rate mortgage saves borrowers money upfront with lower interest rates and a lower payment for an initial period, and adjusts after that.
Adjustable Rate Mortgage

Construction-to-Permanent

Enjoy the convenience of one loan, one set of closing costs and one closing date with a construction-to-permanent loan.
Construction

Lot Loan

Secure your perfect piece of land with a lot loan. You'll make affordable payments and build when you're ready.
Lot Loan

Jumbo Mortgage

When buying a more expensive home, a jumbo loan may be the option you need. 
Jumbo Mortgage

First-time Homebuyer

A fixed-rate mortgage with down payment options as low as 3% of the purchase price, making it easier to buy the home you want.
First-Time Homebuyer

Florida Hometown Heroes

Homeownership opportunities for eligible full-time frontline or public service workers employed by Florida-based employers. Discover the benefits today!
Hometown Heroes

FHA / VA / USDA

Government-insured home loans with more flexible lending standards and lower down payment requirements.
Government Loans

Renovation Mortgage

Get a mortgage to purchase your new home and receive funds for repairs, renovations or improvements.
Renovation Mortgage

Mortgage Resources to Guide You

Whether you're a first-time homebuyer or planning your next move, use our resources to learn how to prepare for a mortgage and make informed decisions with confidence.

First-time homebuyer

Curious about the home-buying process? Discover what to expect from your real estate agent, mortgage loan officer, and your own role.
Home Purchase Basics

How to get a loan

Ready to secure your mortgage? Learn all about the loan process from application to funding in our step-by-step guide.
How to Get a Loan

Mortgage Checklist

Make sure you're fully prepared. Check out our complete list of the documents and information you'll need to gather for a smooth mortgage loan process.
Mortgage Checklist

Planning for Homeownership

Start planning for your future home today with tips and advice on where to start from our mortgage experts.
Homeownership Planning
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Estimate your Monthly Payment

Use our mortgage calculator to estimate your monthly mortgage payment based on your loan amount, interest rate, and term. Plan your budget and explore different scenarios to find the best fit.

Mortgage FAQs

Find out more details about Mortgages here.

To request a 10-day payoff quote, which includes any accrued interest, call our Mortgage Servicing Department at: (863) 688-8443. After the 10-day period, your payoff amount will change due to accrued interest of the additional day.

Once your final payment is processed, your satisfaction of the mortgage will be sent to the clerk of courts office to be recorded. A final copy of the certificate of satisfaction will be sent to you once it has been recorded. This process can take six to seven weeks.

1. 97% Financing: MIDFLORIDA Credit Union Membership, eligibility, and credit approval required. Available for first-time home buyers on a primary residence excluding mobile homes and condominiums with a minimum credit score of 620. Payment example: A 30-year fixed rate loan based on a credit score of 700 for $300,000 with 3% down at 7.000% and an Annual Percentage Rate (APR) of 7.090% has a monthly payment of $2,046.53 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 July 01, 2026, and subject to change without notice. Other conditions apply. Ask your mortgage loan officer for details.

*Select 100: MIDFLORIDA Credit Union membership, eligibility, and credit approval required. Available for primary single-family residences only; excludes manufactured, multi-unit, or condominium properties. Min 680 credit score required. Max loan amount is $500,000. Payment example: Based on a 700-credit score, a 30-year fixed rate loan for $300,000 with 0% down at 7.250% interest rate and an Annual Percentage Rate (APR) of 7.337% has a monthly payment of $2,021.16, including principal and interest. Example does not include taxes or required insurance premiums; the actual payment will be greater. For adjustable-rate mortgages, interest rate, APR, and payment may increase after consummation. Advertised rates/terms valid as of July 01, 2026, and subject to change without notice. Other conditions and underwriting requirements apply, including adequate credit, debt-to-income ratios, reserves, and mortgage insurance. NMLS#417627.