First-time homebuyer 

Buying your first home is within reach

With lower down payment options and more flexibility, this may be the perfect solution for buying your first home, making it easier for you to secure the home you want.
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at a glance

Choosing the Right Mortgage

Down payments and closing costs can be a major hurdle when it comes to buying a home. Not sure where to begin?  Let us help you evaluate your options and get you on the road to homeownership!

Low Down Payment

Down payments start as low as 3%, making it easier to afford your first home.1

Down Payment Assistance

Down payment can be gifted by a family member, reducing the financial burden on homebuyers.
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Closing Cost Assistance

Our program allows sellers to pay toward closing costs, reducing upfront expenses.

Flexible Qualifications

With more lenient credit requirements, we can help more buyers qualify for a mortgage.
First Steps

How to Get Started

Getting started on a mortgage is simple when you know the key steps to take, from exploring your options to submitting your application.
Fast App

Get Pre-qualified

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.
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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.
Couple meeting with MIDFLORIDA Mortgage Specialist. They are sitting at desk with documents and a digital tablet presentation.
Number one

Let's Chat

Answer a few simple questions and we will connect you with a mortgage expert to help find the perfect product for your needs.
Number two

Processing Your Application

Once we've matched you with the right product, we will guide you through every step, helping you gather the necessary documentation to process your application.
Number three

Approval & Funding

When you find your dream home, our team will guide you through the mortgage closing process, ensuring all final steps are completed smoothly.
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Buy vs Rent Calculator

Use the calculator below to compare a monthly mortgage payment versus paying rent.
More Loan Types

Explore Other Mortgage Options

Consider these additional mortgage loan options that might be a better fit for your financial situation.

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Florida Hometown Heroes

Homeownership opportunities for eligible full-time workers employed by Florida-based employers. Discover the benefits today!
Learn more
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FHA / VA / USDA

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

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

Planning for Homeownership

Start planning for your future home today with tips and advice on where to start from our mortgage experts.
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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.
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Mortgage Glossary

Don't quite understand all the terms used during the loan process? Don't worry, we have a mortgage glossary to keep you in the know. 
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Dive Deeper

Insights and Tips from Our Blogs

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1. MIDFLORIDA Credit Union Membership, eligibility, and credit approval required.  Available for first-time home buyers on a primary residence excluding mobile homes with a minimum credit score of 620. Payment example: A 30 year fixed rate loan based a credit score of 700 for $300,000 with 3% down at 7.000 % and an Annual Percentage Rate (APR) of 7.087% has a monthly payment of $1,995.91 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 December 02, 2024, and subject to change without notice. Other conditions apply. Ask your mortgage loan officer for details.