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IMPORTANT NOTICE: Please be aware of phishing calls or text messages that look like they are coming from Members First, our Fraud Detection center, or other government agencies such as the IRS. Use caution on personal information you provide to any third party. You will never be asked to give your PIN, CVV code, Social Security Number, or online banking login information on an Automated Call or Fraud Alert from us. If you get an automated call requesting this information or believe you have been victim of a scam, please hang up and report the incident to us. 

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Home > Personal > Loan Center > Home Loans

Home Loans

WE'LL HELP TO MAKE YOUR DREAM OF HOME OWNERSHIP A REALITY.

At Members First Credit Union of Florida, every member is a part of our family. And family should always have a place to call home. We offer a large variety of products to make the process of buying or refinancing your home go as smoothly as possible. We know that the home buying or refinancing process can be overwhelming, so leave the details to us. Our experienced mortgage team will work with you to design a plan that is quick, affordable, and best fits your needs.

Please look over the list below to find the mortgage option that works for you. If you're not sure where to begin, give as a call at (850) 434-2211 or stop by one of our locations. Our team of professionals is available to help answer your questions, and make your dream of home ownership, a dream come true.

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MORTGAGE LOANS

Choose a loan type below to learn more about it.

First Time Home Buyers Mortgage

Are you dreaming of buying your first home? Let Members First help your dream become a reality. You can rest easy knowing we have the right loan for you and that our mortgage loan officers have the knowledge and experience needed. So pack up, move, and leave the financing to us!

Members First offers the following terms for our First Time Home Buyers Mortgage:

  • Lower Closing Costs
    • No Points
    • No Origination Fees (borrower pays only a $285.00 Document Preparation Fee)
    • No Intangible Tax
    • No Private Mortgage Insurance (PMI)
    • No Prepayment Penalty
    • Affordable Rate and Flexible Terms
  • Down Payment as low as 3%
  • Pre-Approvals
  • Bi-weekly Mortgage Payments

Apply for a Loan SEE OUR RATES

Fixed Rate Conventional Mortgage Loan

A conventional mortgage is a home loan that isn't guaranteed or insured by the federal government and conforms to the loan limits set forth by Freddie Mac and Fannie Mae. You can get a conventional loan at a fixed or adjustable rate. Three other options – FHA, VA and USDA loans – are backed by the federal government.

Members First offers the following terms on our Fixed Rate Conventional Mortgage:

Short Term (7-15 Years)
  • Pre-Approvals
  • Bi-weekly Mortgage Payments
  • Competitive Rates and Terms

Apply for a Loan SEE OUR RATES

Long Term (20-30 Years)
  • Down Payment as low as 5%
  • Pre-Approvals
  • Bi-weekly Mortgage Payments
  • Competitive Rates and Terms

Apply for a Loan Contact Us

arrow button ADJUSTABLE-RATE MORTGAGE (ARM)

Construction to Permanent Mortgage

Our Construction to Permanent Mortgage is a single close loan designed to avoid closing your loan a second time. Once construction is complete your loan will automatically convert to a permanent loan.

Members First offers the following terms on our Construction to Permanent Mortgage:

  • One Time Closing
  • No Points or Origination Fee (borrower pays only a $285.00 Document Preparation Fee)
  • No Application Fees
  • No Prepayment Penalty
  • No Private Mortgage Insurance (PMI)
  • No Intangible Tax
  • No Escrow
  • Fast In- House Processing, Underwriting, and Decisions
  • Local Loan Servicing

Apply for a Loan SEE OUR RATES

Residential Lots/Land (Unimproved Property) Mortgage - Variable

Unimproved property is land without significant buildings, structures, or development. If you are considering purchasing land for a future home or maybe as an investment for later gain, look no further than our Residential Lots/Land (Unimproved Property) loan.

Members First offers the following terms on our Residential Lots/Land (Unimproved Property) Mortgage:

  • 3 Year Adjustable Rate Mortgage (ARM)
  • No Balloon Payment
  • No Points or Origination Fees (borrower pays only a $285.00 Document Preparation Fee)
  • No Intangible Tax
  • No Escrow Required
  • Competitive Rates and Terms
  • Fast In-House Processing, Underwriting, and Decisions
  • Local Loan Servicing

Apply for a Loan SEE OUR RATES

arrow button Home Equity Loan
arrow button Home Equity Line of Credit (HELOC)

FHA Mortgages*

A FHA loan is a type of government-backed mortgage insured by the Federal Housing Administration (FHA). A key benefit to an FHA loan is a lower minimum down payment requirement (as low as 3.5%). Also, because FHA mortgages are government-backed, the loan program makes it easier to qualify for credit.

Contact Us

*For rates on FHA, VA, Investment Property, and Reverse Mortgage loan options, contact our Mortgage Group at 850-434-2211 Ext. 842.

VA Mortgages*

A Veterans Affairs (VA) Mortgage is government insured by the U.S. Department of Veterans Affairs, making it easier for qualified active duty service members and veterans to get financing to buy a home. For more information on VA loans, visit benefits.va.gov/homeloans.

Contact Us

*For rates on FHA, VA, Investment Property, and Reverse Mortgage loan options, contact our Mortgage Group at 850-434-2211 Ext. 842.

Investment Property Loans*

Looking to buy a second home or investment property? Members First can assist. Contact our Mortgage Group at 850-434-2211 Ext. 842.

Contact Us

*For rates on FHA, VA, Investment Property, and Reverse Mortgage loan options, contact our Mortgage Group at 850-434-2211 Ext. 842.

Reverse Mortgages*

Contact:
Andy Berry
Reverse Mortgage Consultant
NMLS# 445479
Toll-Free: 866-408-6889
Fax: 866-525-6812
(8:00AM - 5:00PM CST)
Email: andyb@homeloancu.com

*For rates on FHA, VA, Investment Property, and Reverse Mortgage loan options, contact our Mortgage Group at 850-434-2211 Ext. 842.

arrow button Refinance Your Mortgage

 

RESOURCES

 

 


 

MEET OUR MORTGAGE TEAM.

TPainter

Tom Painter
Chief Lending Officer
NMLS# 490547
(850) 434-2211 Ext. 180
Email Tom

RNelson

Rhonda Nelson
Mortgage Loan Manager
NMLS# 1119389
(850) 434-2211 Ext. 171
Email Rhonda

MWade

Mary Wade
Mortgage Loan Officer
NMLS# 490544
(850) 434-2211 Ext. 185
Email Mary

 

AGarrett

Amy Garrett
Mortgage Loan Processor
NMLS# 1470666
(850) 434-2211 Ext. 215
Email Amy

MLadner

Marisa Ladner
Mortgage Loan Processor
NMLS# 708770
(850) 434-2211 Ext. 184
Email Marisa

 


Is one of our Mortgage Team members busy or out of office?  Email the Mortgage Group or call us (850) 434-2211 Ext. 842 and our next available team member will be there to assist you.

 


 

 

* For rates on FHA, VA, Investment Property, and Reverse Mortgage loan options, contact our Mortgage Group at 850-434-2211 Ext. 842

APR = Annual Percentage Rate. All loans are subject to credit approval. Rates and terms are based on individual credit worthiness. Terms and conditions apply. NCUA Insured. Equal Housing Lender. NMLS# 405711.

 

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NMLS #405711
Equal Housing Lender National Credit Union Administration
This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act.
Members First Credit Union of Florida is not affiliated with Members First Credit Union (Kentucky)

Members First Credit Union of FL is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 877-434-6328. We are actively working to increase accessibility and usability of our website to everyone. All products and services available on this website are available at all Members First Credit Union of FL branches.

 

Any external links or websites to alternative sites are not operated by Members First Credit Union of FL. We are not responsible for the content of the alternate site or their accessibility standards.

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