Mortgage Loans

Hassle-free experience with no surprises

Looking to buy or refi a home? Look no further. No closing cost loans available!

Close new purchases in 30 days or we give you $500!1

  • Lending professionals guide you through the process.
  • Experienced team.
  • Quick closing.
  • No surprises - receive constant communication.
  • Conventional and low down payment loans with extended terms.
  • 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

USF Federal Credit Union is your one-stop shop for finding a new home.
  • 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
  • Buyers can select to use the credit union's no closing cost program when purchasing or refinancing their primary residence.
  • The credit union will not cover discount points to obtain a lower rate, property taxes or homeowner's insurance.
  • Additionally, if the loan is repaid within 24 months the closing cost assistance must be repaid.
Mortgage Center   Apply Now
No closing cost loans available!

Educators and Medical Professionals
Educators and Medical Professionals
  • 100% Financing
  • No Private Mortgage Insurance (PMI) required
  • Fixed & adjustable rate options

Educators defined as a person who holds a Florida teaching certificate or who is employed as a Professor, Assistant Professor, Associate Professor, Instructor or Adjunct Professor with a college/university. Medical Professionals defined as Physicians (MD, DDS, DMD, OD, DPM, DO or RPH), Nurses (RN, BSN, MSN, APRN or NP) or Medical Administrator.

Mortgage Center   Apply Now

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

1Buyer is required to provide necessary documentation in a timely manner.
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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