Contact a Loan Officer

General Mortgage Sales

General Mortgage Sales

Ashton Burke, Mortgage Loan Consultant

Ashton Burke

Mortgage Loan Consultant
NMLS ID 1391126
Apply Now!

Susan Rossi, Mortgage Loan Consultant II

Susan Rossi

Mortgage Loan Consultant II
NMLS ID 765922
Apply Now!

Bobby Bucholtz, Mortgage Sales Manager

Bobby Bucholtz

Mortgage Sales Manager
NMLS ID 756399
Apply Now!


Types of Mortgages

A home loan with a fixed interest rate for the entire term of the loan. This creates a consistent payment (principal and interest) for the life of the loan.

These mortgages are also called ARM’s and have a fixed period of time during which the initial interest rate remains constant, after which the interest rate adjusts at a pre-arranged frequency. After the initial period of the loan the interest will adjust at set intervals to reflect the current market rate of interest. This creates variability with amount of interest paid as well as a fluctuation in payment amounts over the life of the loan.

A FHA mortgage is a loan that is insured by the Federal Housing Authority. These loans have a fixed interest rate and consistent payment amounts (principal and interest) over the life of the loan. These loans can only be completed through FHA lenders.

A VA loan is a mortgage product that is supported by the Department of Veteran Affairs (VA) and backed by the federal government. This product is offered to veterans, service members and their surviving spouses to assist with purchasing homes. To qualify for a VA loan you will need a certificate of eligibility from the VA prior to applying and have lending limits based on specific areas (zip codes). These loans have a fixed interest rate and consistent payment amounts (principal and interest) over the life of the loan.


Mortgage FAQs

1. Up to 100% financing on the lesser of the purchase price or appraised value, up to a maximum loan amount of $850,000. Percentage financed depends on credit score and program qualifications. 2. No PMI includes rate markup. 3. Standard closing costs including property taxes and property insurance will apply. Under the No Closing Costs program option, reimbursement of paid closing costs is required if a payoff occurs in the first 24 months after the 1st payment date. Offer valid on purchases of primary residences in the state of Florida. This is a specific product offered to Medical Professionals only. Proof of medical designation is required. USF FCU reserves the right to modify or terminate this offer at any time without notice. All Medical Professional loans are subject to a rate markup based on underwriting approval and creditworthiness, so your rate and terms may differ. All loans are subject to credit approval. First-time home buyer course completion may be required. Credit Union membership is required.

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