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Home < Borrow < Mortgages < First Time Buyer


Buying a house is the biggest purchase most people will make in their lifetime. We don’t treat your real estate loan like a number — we treat it like a home. Buying or refinancing your first home, an upgrade or a home equity line of credit, USF Federal Credit Union is a lender you can trust. 

(Real Estate loans currently available in the state of Florida only)

Mortgage Home Equity
First Time Buyer

Does the thought of pulling into your private garage, custom painting your walls, letting your dog play in your own backyard and saying “See ya” to your noisy neighbor living above you, make you sigh with relief?

Before you make the leap into the world of home ownership, here are some things to consider…




Membership Required. Annual Percentage Rate, based upon applicant’s credit score, range between 3.25% to 5.50%. A 30 year loan, principal and interest, monthly payments of $435.21 for $100,000 borrowed at 3.25% (3.419% APR). Subject to credit approval.

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

NMLS# 469322

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