Mortgage Loans

Buy or Refinance and Secure Your Future

Lock in a low mortgage rate today and save for years to come.

  • Close your loan without visiting a branch.
  • Lending professionals guide you through the process.
  • No surprises - receive constant communication.
  • Various loan options to meet your individual needs.
  • Special loan program available for educators and medical professionals.
  • Helpful lending guide and checklist for new borrowers.
Mortgage Center   Apply Now
Buy or refi and lock in a low rate!

  • See which homes are for sale and which have recently sold. Save your favorite searches and get email alerts when new information is available.
  • Search through our network of top, local real estate professionals to find one that is right for you.
  • Use the HomeAdvantage agents to buy or sell your home, and receive Cash Rewards2 at closing!




No Closing Cost Program3
  • Save your cash for the down payment or a home improvement project by utilizing our no closing cost program.
  • We'll cover non-recurring closing costs and you'll pay a slightly higher interest rate.
  • Available on fixed rate or adjustable rate mortgages.
Mortgage Center   Apply Now
No closing cost loans available!

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Educators and Medical Professionals
  • 100% Financing up to $700,000 sales price.
  • No Private Mortgage Insurance (PMI) required.
  • Fixed & adjustable rate options.

This program is available to physicians, nurses, and those who hold a Florida teaching certificate or who is employed as a Professor or Instructor with a college/university. 

Mortgage Center   Apply Now

We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act
NMLS# 469322

1Does not apply to existing USF FCU (DCU or any division of) loans. Additional terms and fees may apply. Your mortgage rate may vary and depends on creditworthiness. Federally insured by NCUA.
2Cash Rewards are awarded through the HomeAdvantage® program to buyers and sellers who select and use a real estate agent in the HomeAdvantage® network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Cash Rewards amounts are dependent on the commissions paid to the HomeAdvantage® network agent. Obtaining a mortgage or use of any specific lending institution is not a requirement to earn Cash Rewards. If you are obtaining a mortgage, your lender may have specific rules on how Cash Rewards can be paid out. Cash Rewards are available in most states; however, are void where prohibited by law or by the lender. Please consult with your lender for details that may affect you.
3Available on fixed or adjustable rate mortgage (ARM) products. Payment example with 4.797% APR: APR is calculated using a $400,000 loan amount, with a 4.75% interest rate on a 30 year mortgage. Estimated closing costs and prepaid items on this $400,000 loan would be $8,240 with a monthly payment of $2,085.74.

Home Mortgage Disclosure Act Notice: The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex and income of applicants and borrowers; and information about loan approvals and denials. Inquire in our office regarding locations where HMDA data may be inspected.

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