Relax and save with a hassle-free home loan

Let us help you achieve your dreams with amazingly low rates and outstanding service!

  • Close your loan without visiting a branch.
  • Lending professionals guide you through the process.
  • No surprises - receive constant communication.
  • 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.
Apply Now
Mortgage Loans
Effective Date: Tuesday, April 13th, 2021
Purchase - 30 Year Fixed 3.125% 0.766% 3.284%
Purchase - 20 Year Fixed 3.000% 0.826% 3.231%
Purchase - 15 Year Fixed 2.500% 1.164% 2.845%
Refinance - 30 Year Fixed 3.250% 0.702% 3.405%
Refinance - 20 Year Fixed 3.125% 0.803% 3.354%
Refinance - 15 Year Fixed 2.625% 1.014% 2.949%
*Rates are updated frequently and are subject to change without notice. Your actual rate is based on your credit quality, down payment, loan term, and amount financed. Rate lock cutoff time is 4:00 PM EST. Any lock requests received after 4:00 PM EST will be subject to tomorrow’s posted rates. Interest rates above are based on a $200,000 purchase and a $160,000 no cash out refi of a single-family home as a primary residence, 45-day rate lock, credit score of 740, and a loan-to-value of 80% or less. Discount points may apply. Terms and conditions subject to change at any time without prior notice.

Buy or refi and lock in a low rate!
No Closing Cost Program2
  • Save your cash for the down payment or a home improvement project by utilizing our no closing cost program.
  • We'll cover non-recurring closing costs and you'll pay a slightly higher interest rate.
  • Available on fixed rate or adjustable rate mortgages.
Apply Now

Educators and Medical Professionals
  • 100% Financing up to $700,000 sales price.
  • No Private Mortgage Insurance (PMI) required.
  • Fixed & adjustable rate options.

This program is available to physicians, nurses, and those who hold a Florida teaching certificate or who is employed as a Professor or Instructor with a college/university. 

Apply Now
Medical Professional



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

1Does not apply to existing USF FCU (DCU or any division of) loans. Additional terms and fees may apply. Your mortgage rate may vary and depends on creditworthiness. Federally insured by NCUA.
2Available 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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