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fixed-rate mortgage

your dream home awaits

You've found the perfect home, now you need the perfect mortgage. A fixed-rate home loan may be just what you're looking for if you want to lock in a great rate and avoid the risk of higher mortgage payments down the road.
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At a glance

Choosing the Right Mortgage

A conventional fixed-rate mortgage offers stability and security by keeping your interest rate the same throughout the life of the loan. Fixed-rate mortgages are more popular, but adjustable-rate mortgages may provide some cost savings depending on your circumstances. Let us help you evaluate your options and find the perfect mortgage solution.
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Consistent Monthly payments

Enjoy predictable monthly payments that never change, making it easier to budget long-term.

Locked-in interest Rate

Secure your interest rate for the entire loan term, without worrying about rising rates in the future.​

Down Payment Options

Get into your new home with down payments as low as 3%, making homeownership more affordable.
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Fixed-Rate Mortgage Rates starting as low as 6.375% (6.456% APR)*

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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.
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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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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.
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Estimate Your Fixed-Rate Payment

Use the calculator below to calculate your monthly payment.
More Loan Types

Explore Other Mortgage Options

Consider these additional mortgage loan options that might be a better fit for your financial situation.

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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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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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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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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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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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Dive Deeper

Insights and Tips from Our Blogs

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What Happens When the Fed Cuts the Target Fed Funds Rate?

When the Fed cuts the target fed funds rate, how does that affect mortgages, refinancing, and borrowing? And explore how MIDFLORIDA can help you benefit from lower rates.

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Historical Guide to Mortgage Rates and What Moves Them

Read MIDFLORIDA Credit Union's historical guide to mortgage rates: What moves them, and how to make smart home loan and refinancing decisions

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How Does the Federal Reserve Influence Interest Rates?

Learn how the Federal Reserve influences interest rates and how it affects your mortgage options. Discover when it's the best time to apply or refinance.

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Best neighborhoods in Tampa to consider living in

Tampa, FL, ranks as one of the best cities in the world. However, it pays to research the best neighborhoods in Tampa that fit your needs and lifestyle wants.

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Which city is better to live in, Bradenton or Sarasota?

Considering a move to Florida’s Gulf Coast? Two cities might top your list: Bradenton or Sarasota. Check out the benefits of living in Bradenton versus Sarasota

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Is Lakeland, Florida, expensive to live in?

The cost of living can be a big factor in Florida. A little city named Lakeland often comes up as an option. But is Lakeland, Florida, expensive to live in?

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Pros and cons of living in Winter Haven, FL

A Florida region that emphasizes natural environments, strong communities, and the arts—exploring the pros and cons of living in Winter Haven is worth exploring.

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Best suburbs to live in the Orlando area

Orlando is famous for its theme parks, vibrant cultural scene, and sunshine. Moreover, the Orlando suburbs have great housing and living options for everyone.

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Is Davenport, Florida, a good place to move to?

We’ve heard many clients asking us: Is Devenport, Florida, a good place to move to? Here's why Davenport is one of the most desirable places to buy a home.

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How much does it cost to live in Port St. Lucie?

Port St. Lucie is a sought-after location for those searching for a peaceful yet lively place to live. But how much does it cost to live in Port St. Lucie?

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*MIDFLORIDA Credit Union Membership, eligibility, and credit approval required. Available for primary residences excluding mobile homes and minimum credit score of 700. Advertised rate is based on a 30-year fixed rate mortgage of $50,000 - $766,550 with 10% down, for purchase of primary residence. Payment example: A 30-year fixed rate loan with credit score of 700 for $300,000 with 10% down at 6.375% and an Annual Percentage Rate (APR) of 6.456% has a monthly payment of $1,871.61 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.

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