First Mortgage Loans

Congratulations are in order! Whether you’re a real estate rookie or a tenured home buyer, we’re here to help you through this exciting process.

For members looking to purchase a new home, or refinance their existing loan at today’s low rates, our mortgage consultants are here to help you navigate your options. We offer:

  • Fixed and adjustable rate programs
  • Terms up to 30 years
  • Up to 1.5% closing cost credit on adjustable rate mortgages
  • Online application and prequalification
  • Mortgage Center featuring rates, calculators and FAQs

Mortgage Center   Apply Now

Checklist for new borrowers. 


Special Real Estate Loan Program for 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. 

Closing Cost Credit Program*

Members can select to use the credit union's closing cost credit program when purchasing or refinancing their primary residence. The credit union will give a closing cost credit of up to 1.5% of the loan amount to assist members with their closing costs. 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 assistance must be repaid. 

Mortgage Center   Apply Now

Checklist for new borrowers. 


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

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.

NMLS# 469322

*Only available on 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.

1Limited time offer of .25% rate discount includes a .125% discount for using CU Realty’s HomeAdvantage program and a .125% discount for having a direct deposit of $500 or more a month into a USF FCU account. Using HomeAdvantage is not a requirement to receive the .125% direct deposit discount. Your APR will not be lower than 3.5% APR.
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.

3FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries.  FICO® Score provided to Primary Member with an eligible USF FCU loan.
4Cash Rewards listed are for example purposes only — your rewards may vary.

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