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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.
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First-time homebuyer
Buying your first home is within reach
With lower down payment options and more flexibility, this may be the perfect solution for buying your first home, making it easier for you to secure the home you want.
Get Started 
at a glance
Choosing the Right Mortgage
Down payments and closing costs can be a major hurdle when it comes to buying a home. Not sure where to begin?
Let us help you evaluate your options and get you on the road to homeownership!
Low Down Payment
Down payments start as low as 3%, making it easier to afford your first home.1
Down Payment Assistance
Down payment can be gifted by a family member, reducing the financial burden on homebuyers.
Closing Cost Assistance
Our program allows sellers to pay toward closing costs, reducing upfront expenses.
Flexible Qualifications
With more lenient credit requirements, we can help more buyers qualify for a mortgage.
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
Buy vs Rent Calculator
Use the calculator below to compare a monthly mortgage payment versus paying rent.
More Loan Types
Explore Other Mortgage Options
Consider these additional mortgage loan options that might be a better fit for your financial situation.
Planning for Homeownership
Start planning for your future home today with tips and advice on where to start from our mortgage experts.
Read More
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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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.
Read more
1. MIDFLORIDA Credit Union Membership, eligibility, and credit approval required. Available for first-time home buyers on a primary residence excluding mobile homes with a minimum credit score of 620. Payment example: A 30 year fixed rate loan based a credit score of 700 for $300,000 with 3% down at 7.125 % and an Annual Percentage Rate (APR) of 7.213% has a monthly payment of $2,021.16 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 November 1, 2024, and subject to change without notice. Other conditions apply. Ask your mortgage loan officer for details.
