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FHA / va / usda loans

Make homeownership a reality

FHA/VA/USDA mortgages make homeownership possible for those looking to purchase a home. These specialized, government-backed loans are easier to qualify, requiring little to no money down and offering great rates.
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at a glance

Choosing the Right Mortgage

FHA/VA/USDA loans are government-sponsored mortgages intended to help families become homeowners with little to no down payment required.  Let us help you evaluate your options and find the perfect mortgage solution. 
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Afford More Home

Because these loans are government sponsored, lenders can offer more favorable terms, including little to no down payment and competitive interest rates.

Easier Qualifying

Government-backed loans come with more lenient qualifying requirements compared to conventional loans, like lower credit scores and higher debt-to-income ratios.

Flexible Funding

These loans do not carry the same down payment restrictions as conventional loans. They allow using funds from family, employers or charitable organizations as a gift for your down payment.
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.
Mortgage Specialists
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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.

Types of Government-Sponsored Loans

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FHA Loans

FHA-insured loans are an excellent option for buyers with less-than-perfect credit, offering down payment options as low as 3.5%1. Whether you prefer fixed- or adjustable-rate loans, we have choices to suit your financial situation. You can even use gift funds toward your down payment or closing costs. Keep in mind these loans do come with a requirement for FHA mortgage insurance.
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VA Loans

For military members, veterans, and their eligible spouses, VA loans provide an excellent path to homeownership with the backing of the Department of Veterans Affairs. These loans feature low or no down payment requirements and do not require mortgage insurance. There is a one-time VA funding fee, which can be added to the loan amount to ease upfront costs.
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USDA Loans

USDA-backed loans offer an exceptional opportunity for borrowers looking to purchase homes in eligible rural or less densely populated suburban areas. These loans provide financing for 100% of the property’s appraised value, whether you're purchasing or refinancing. Keep in mind there are maximum income limits and mortgage insurance is required as part of the program.
Calculator

Calculate How Much You Can Afford

Use the calculator below to calculate how much home you can afford.
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1. MIDFLORIDA Credit Union Membership, eligibility, and credit approval required. Payment example: A 30-year fixed-rate loan for $300,000 with a minimum credit score of 620 with 3.5% down at 7.000% and an Annual Percentage Rate (APR) of 7.070% would have a monthly payment of $1,995.91 which includes principal and interest. Payment example does not include amounts for taxes, insurance premiums, or mortgage insurance; the actual payment obligation will be greater. Advertised terms are valid as of November 1, 2024, and subject to change without notice. Other conditions apply. Ask your mortgage loan officer for details.

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