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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.

Local Decisions 

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

Guided Help

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

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.
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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.
Mortgage Specialists
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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.
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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.
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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.
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Construction-to-Permanent

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

When buying a more expensive home, a jumbo loan may be the option you need. 
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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.
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Florida Hometown Heroes

Homeownership opportunities for eligible full-time workers employed by Florida-based employers. Discover the benefits today!
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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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Renovation Mortgage

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

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