Member Login
- Online Banking
- Premier Treasury Online
*Username
Forgot User ID*Password
Forgot PasswordNot Enrolled Yet?
Set up Online AccessNeed to complete an application?
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
At a Glance
Choosing the Right Mortgage
A lot loan is typically used to finance the purchase of a plot of land with the intention of building a home on it in the future. Let us help you evaluate your options and find the perfect mortgage solution.
Low Down Payment Options
Down payment options as low as 20% for fixed-rate loans and 35% for adjustable-rate loans.*
Flexible Terms
Finance up to 80% of the market value and make affordable payments for the next five years.
Convert to a Construction Loan
Easily convert to a construction loan when you're ready to start building.
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 Monthly Payment
Use the calculator below to calculate your monthly lot loan payment.
More Loan Types
Explore Other Mortgage Options
Consider these additional mortgage loan options that might be a better fit for your financial situation.
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.
Read More
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.
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.
Read More
Planning for Homeownership
Start planning for your future home today with tips and advice on where to start from our mortgage experts.
Read More
*MIDFLORIDA Credit Union membership, eligibility, and credit approval required. Payment example: Based on a credit score of 700, a fixed rate residential lot loan for $100,000, amortized over 20 years, with 20% down 7.500% and an Annual Percentage Rate (APR) of 8.262%, has a monthly payment of $805.59, with a balloon payment due after 5 years of $87,707.90. Advertised terms are valid as of November 15, 2024, and subject to change without notice. Minimum credit score 680. Other conditions apply. Ask your mortgage loan officer for details.
6.000% is a 1-year promotional rate. Payment example: Based on a minimum credit score of 700, a 1-year adjustable rate vacant land loan for $100,000 with a minimum 35% down at 6.000% interest rate and an Annual Percentage Rate (APR) of 7.406%. The monthly principal and interest payments are $843.86 during the first 12 months. The interest rate may adjust once every 12 months thereafter, based on the 1 year US Treasury Bill rate (4.310% as of November 15, 2024) plus a margin of 2.75%, with a maximum interest increase of 4% over the rate at closing. The monthly payment amount after the first adjustment based on current rates will be $895.72 and the highest possible monthly payment during the life of the loan could be $1,041. Promotional Rate and margin may vary based on credit history and underwriting guidelines. Advertised terms are valid as of November 15, 2024, and subject to change without notice. Other conditions apply. Ask your mortgage loan officer for details.
