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Experience the benefits of credit union membership, including low fees, great rates and personalized service. Become a member and start banking smarter with us.
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renovation mortgage
turn a fixer-upper into your dream home
Our renovation mortgage includes financing for immediate upgrades to your new home. It's like a purchase and construction loan in one!
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at a glance
It's Perfect with Some Work
When you've found the perfect location, but the house needs a little TLC, we have a mortgage that could help you turn it into the home you've been dreaming about. Let us help you evaluate your options and find the perfect mortgage solution.
Financing Options
Finance up to 80% of the loan-to-future-value1, and the renovation funds will be included in your mortgage, resulting in just one monthly payment.
Renovation Types
Both cosmetic and structural changes are allowed, provided they are permanently affixed and add value to the property.
Immediate Upgrades
Allows you to borrow additional funds to start refurbishing the house right away, with a one-step, one-time closing.
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
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.
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.
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.
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.
calculator
Calculate Your Monthly Payment
Use the calculator below to calculate your monthly payment would be with a renovation loan.
Explore
Other Mortgage Options
Explore More Mortgage Resources
Find helpful tools and information to guide you through the mortgage process.
Planning for Homeownership
Start planning for your future home today with tips and advice on where to start from our mortgage experts.
Homeownership Planning
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
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
1. MIDFLORIDA Credit Union Membership, eligibility, and credit approval required. Not available for mobile homes. A purchase price of $350,000 on a primary residence plus $52,500 in improvements, with a 20% down payment, would result in a loan amount of $322,000. Payment Example: A 30-year fixed rate mortgage on a primary residence with the minimum credit score of 700 at a rate of 6.750% and an Annual Percentage Rate (APR) of 6.904% has a monthly payment of $2,088.49 which includes principal and interest. Payment example does not include amounts for taxes or insurance premiums; the actual payment will be greater. Advertised terms are valid as of February 02, 2026, and subject to change without notice. Other conditions apply. Ask your mortgage loan officer for details.
