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Join MIDFLORIDA Today!
Experience the benefits of credit union membership, including low fees, great rates and personalized service. Become a member and start banking smarter with us.
Get Started
Cash-out refinance
Refinance to cash out your equity
Free up cash by refinancing your current mortgage. You can use this money toward meeting other financial goals.
Get Started 
at a glance
Choosing the Right Mortgage
Refinancing your mortgage allows you to tap into your home's equity and access cash to use as you wish. Let us help you evaluate your options and find the perfect mortgage solution.
Home Remodeling
Add value to your home by remodeling a room or making other home improvements.
Debt Consolidation
Use the money to consolidate other higher-interest debts, and you could potentially improve your credit score.
Large Purchase
Use the cash to fund a large upcoming purchase, like college tuition or a dream vacation.
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.
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
Estimate Your Refinance Payment
Use the calculator below to calculate what your new monthly payment could be.
More Loan Types
Explore Other Mortgage Options
Consider these additional mortgage loan options that might be a better fit for your financial situation.
dive Deeper
Insights & Tips
1. MIDFLORIDA Credit Union Membership, eligibility, and credit approval required. Available for Cash out refinances of primary residences excluding mobile homes and condominiums. A minimum credit score of 700 is required with a maximum loan to value of 70% and loan amount of $2,000,000. Cash out is defined as amount requested above existing first lien. If home is currently free and clear, cash out will equal loan amount. Payment example: A 30 year fixed rate loan for $300,000 at 5.990% and an Annual Percentage Rate (APR) of 6.163% has a monthly payment of $1,796.72 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 16, 2024, and subject to change without notice. Other conditions apply. Ask your mortgage loan officer for details.
