Mortgages

We offer a conventional mortgage loan to members to purchase or refinance. The home must be an existing single-family, block or frame, detached residence located in Florida or Georgia. We do not offer construction loans.

You can choose between loan programs with terms up to 30 years. Interest rates are determined by market conditions and are subject to change without notice. Other restrictions may apply. Click here for current rates.

We offer a closed end fixed rate Second Mortgage Loan or better known as a Home Equity Loan to members on their primary residence with terms up to 15 years. The home must be an existing single-family, block or frame, detached residence located in Florida or Georgia. The loan proceeds can be used for any worthwhile purpose, such as, home improvement, debt consolidation, and/or investment. The minimum amount is $10,000. We do not offer a Home Equity Line of Credit.

We offer a fixed rate property loan for either the purchase or refinance of vacant land in Florida or Georgia with terms up to 12 years. The property must be residential (no commercial or agricultural properties).

Purchase loans available up to 75% of the purchase price or current appraised value, whichever is less.

Refinance loans available up to 60% of the current appraised value.

What types of loans do you offer? We offer 15 to 30 year fixed rate conventional first mortgage loans for purchasing or refinancing your primary residence. We also have a fixed rate second mortgage, and a fixed rate loan for vacant residential property.

How long does it take to close a mortgage loan? Generally a purchase loan takes 4-6 weeks, a refinance 5-8 weeks, and a second mortgage 3-5 weeks from start to finish.

What types of loans do you offer?

We offer 15 to 30 year fixed rate conventional first mortgage loans for purchasing or refinancing your primary residence. We also have a fixed rate second mortgage, and a fixed rate loan for vacant residential property.

How long does it take to close a mortgage loan?

Generally a purchase loan takes 4-6 weeks, a refinance 5-8 weeks, and a second mortgage 3-5 weeks from start to finish.