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Mortgages
Loans
Mortgages

PEFCU is here to make it easy

Publix Employees Federal Credit Union offers conventional and jumbo fixed-rate home loans to our members for the purchase or refinance of their primary residence with a minimum down payment of 3%.  Any down payment of less than 20% will require Private Mortgage Insurance.  We also offer a fixed rate, 15-year term Home Equity Loan.  The home must be an existing single family, block or frame house located in Alabama, Florida, Georgia, North Carolina, South Carolina, Tennessee, and Virginia.  We do not offer financing for rental properties, vacation homes, or condominiums. Construction loans are not available. 

Qualifications

Approval criteria involves the evaluation of each loan applicant’s credit history, employment stability and other verifiable sources of income, as well as assets needed for down payment and other funds needed for closing.  In general, a credit score of at least 640 is desirable in evaluating the credit risk associated with a mortgage loan.  However, we do not discourage you from applying for consideration of a home loan for regardless of your credit score.

Looking to buy a new home?  Get Prequalified today!

Sellers frequently require a prequalification letter before accepting your offer on a house.  A prequalification letter is a document from PEFCU stating that we are tentatively willing to lend to you, up to a certain loan amount.  This document is based on certain assumptions and it is not a guaranteed loan offer, but it lets the seller know that you are likely to be able to get financing. PEFCU will pull your credit report to evaluate your creditworthiness for a prequalification.  Call one of our Mortgage Loan Officers or click below to get prequalified today!

Apply Now

Free Annual Credit Report

Prior to initiating a request for a pre-approval, we recommend that you request a copy of your free annual credit report.  This will give you a snapshot of your credit file, which you can review it for accuracy. This will also give you the opportunity to address any outstanding issues prior to applying for a home loan.  You can request your free annual credit report by calling 877-322-8228 or at www.annualcreditreport.com.

Prequalification Calculator

We strongly recommend that you use our mortgage loan prequalification calculator to help you determine the estimated mortgage amount you may qualify for based solely on your income.  While the loan prequalification calculator does not guarantee that you will qualify for a home loan, it is a good starting point.

  1. Click the following to start: Services Calculators.
  2. Under the “HOME” heading, click “How much home can I afford?” to start the calculations.
  3. Click "Continue."
  4. Once the form is filled out, click on the “Calculate” button.

Then you will find a loan amount, based on the information provided in the Mortgage Information section for both 10% and 20% down payment scenarios.

Our Team Is Here to Help

Associate Name NMLS Number Associate Name NMLS Number
Melissa Sue Turbeville 1101295 Jonathan Kravel Davis 314966
Ashley Nacole Daniels 1097025 Anglia Ann Pringle 403427
Jasmin White 1339150 Terry McPherson Jones II 604295
Iovani Lopez-Lecusay 1383948 Maria Angela Wahl 903559
Rebecca Konkol Gaddis 792299 Nina Monique Brown 2282050

If at any time you have questions, please feel free to contact the Mortgage Department at [email protected] or by phone at 800-226-6673, ext. 6515.

Conventional & Jumbo

Conventional & Jumbo

We offer conventional and jumbo mortgage loans to members for the purchase or refinance of their primary home.

Conventional & Jumbo >

Home Equity

Home Equity

We offer Home Equity Loans to be used for home upgrades, repairs, or loan consolidation.

Home Equity Loans >

Mortgage FAQs

Mortgage FAQs

Getting a mortgage comes with a lot of questions. Get yours answered.

Mortgage FAQs >

Publix Employees Federal Credit Union logo

Member Contact Center

1-800-226-6673

Card Services

1-800-226-6673 ext 6602

NMLS#

403109

E-Mail

[email protected]

Routing Number

263179817

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If you are using a screen reader or other auxiliary aid and are having difficulty with this site, please call 1.800.226.6673

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By clicking on this link, you will be leaving the Credit Union's website and our Privacy Policy. This website is not operated by PEFCU. PEFCU makes no representations or warranties about any other Website which you may access through this one. When you access non-PEFCU websites, even though they contain the PEFCU logo and content regarding PEFCU's products and services, such websites are independent of PEFCU and PEFCU has no control over the operation of non-PEFCU sites. In addition, a link to a non-PEFCU website does not mean that PEFCU endorses that website or has any responsibility for the use of such a website.

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You are now leaving the Publix Employees Federal Credit Union's website

By clicking on this link, you will be leaving the Credit Union's website and our Privacy Policy. This website is not operated by PEFCU. PEFCU makes no representations or warranties about any other website which you may access through this one. When you access non-PEFCU websites, even though they contain the PEFCU logo and content regarding PEFCU's products and services, such websites are independent of PEFCU and PEFCU has no control over the operation of non-PEFCU sites. In addition, a link to a non-PEFCU website does not mean that PEFCU endorses that website or has any responsibility for the use of such a website.

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