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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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select 100
A Simple Way to Start Your Homebuying Journey
Our Select 100* mortgage gives qualified buyers the chance to purchase a home with 100% financing and no down payment - making homeownership more accessible, especially for first-time homebuyers.
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at a glance
Things are looking up with 100% financing your dream home!
With easy steps, real support, and breathing room you need to feel confident, whether you're buying for the first time or starting fresh.
$0 down payment
No down payment needed for qualified buyers. Start your journey to homeownership without the wait to save up thousands upfront.
100% financing
Finance the full purchase price of your home. Keeping your savings free for moving costs, furnishings, or a rainy-day cushion.
Local Support
Get guidance from experts who live where you’re buying and who understand the market and your goals.
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.
Calculate How Much You Can Afford
More Loan Types
Explore Other Mortgage Options
Consider these additional mortgage loan options that might be a better fit for your financial situation.
Explore More Mortgage Resources
Find helpful tools and information to guide you through the mortgage process.
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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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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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.
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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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*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 $500,000. Payment example: Based on a 700 credit score, a 30-year fixed rate loan for $300,000 with 0% down at 6.625% interest rate and an Annual Percentage Rate (APR) of 6.809% has a monthly payment of $1,920.93, 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 November 12, 2025 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. Rev 10/2025
