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florida home loans for all your needs

When it comes to mortgages, there’s different types to consider. Whether you’re planning on buying a home, refinance your mortgage with a low credit union rate or tap into your home equity, TFCU has got you covered. Learn about our different mortgages or apply today in less than 10 minutes.
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How Can We Help You With Your Florida Home Loan?

When it comes to finding the perfect home loan, we have all the products and services you need. Start by comparing mortgage loans and mortgage loan rates, calculate estimated monthly payments and get approved so that you can shop for homes and home loans with the confidence you deserve. Choose one of the options below so you can be one step closer to your Florida home loan.
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I Want to
Buy a House

I’m in need of a Florida home loan and would like advice to help guide me through the home buying process.
LEARN MORE
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Refinance my Mortgage

I want to browse mortgage refinance rates in South Florida so I can lower my monthly payment and save money.
LEARN MORE
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Tap Into my Home's Equity

I’m interested in learning more about credit union home equity loan rates in order to make a large purchase or consolidate debt.
LEARN MORE
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Manage my Mortgage

I’d like to make a payment on my credit union mortgage or view my Florida mortgage balance.
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Tropical Financial Credit Union Mortgage Program

TFCU offers different options when it comes to finding a mortgage in Florida. Check out our special programs designed with members in mind. Mortgages can be expensive, which is why we wanted to take the roadblocks out of the home buying process. From as little as 3% down to waived closing costs, TFCU’s Mortgage Programs are designed to fit your home buying needs.

First Mortgages

Road to home ownership guide
Click the image to download the TFCU Road to Homeownership Guide

For those who haven’t owned a home within the past three years, we offer the First Time Mortgage Buying Program. Here are some highlights of this program: 

  • Waived intangible tax
  • Buy a home with as little as 3% down payment
  • Low rate options on Jumbo loans (fixed and ARM)
  • Special member pricing on Private Mortgage Insurance (PMI)
  • No Prepayment Penalties
  • Cash out Refinances up to $250,000
  • HomeAdvantage Program that includes home search, home calculators and special rebate at closing
  • Access to the TFCU Mortgage App (upload time sensitive documents, track your mortgage process, quick contact to realtors and MLOs)
  • Local staffing to provide education and guidance on your particular mortgage area

Home Equity & HELOC's

For those looking to tap into their home’s equity for large purchases, home renovations and debt consolidation, we offer:

  • No closing costs on loans up to $250,000
  • Low rate options on both Home Equity Loans and Home Equity Lines of Credit (HELOC)
  • No prepayment penalties
  • Loans up to 80% Loan to Value (LTV) on HELOC’s
  • Cash out refinances with cash back up to $250,000
  • Access to the TFCU Mortgage App (upload time sensitive documents, track your Home Equity & HELOC process, quick contact to mortgage dept)
  • Local staffing to provide education and guidance on which options best suit your wants and needs
Home Sweet Home Guide TFCU
Click the image to download the TFCU Home Sweet Home Guide

Get Started On Your Florida Home Loan

WITH ONE OF OUR MORTGAGE LOAN OFFICER'S

Javier
Cornavaca
100x139 Javier
NMLS ID#
836047
I WANT TO SPEAK WITH JAVIER
Frank
Salokar
Untitled design - 2019-09-13T145109.025
NMLS ID#
473064
I WANT TO SPEAK WITH FRANK
Tracy
Siebald
Tracy Siebald
NMLS ID#
476614
I WANT TO SPEAK WITH TRACY
Werner
Huss
Huff_Werner_RGB-web
NMLS ID#
473059
I WANT TO SPEAK WITH WERNER
Randy
Reyes
randy-RGB-web.jpg
HE/HELOC Consultant
NMLS ID#
901969
I WANT TO SPEAK WITH RANDY
Denia
Sandefur
Untitled design (92)
HE/HELOC Consultant
NMLS ID#
1509367
I WANT TO SPEAK WITH DENIA

Find helpful articles with advice on credit union mortgages, guidance on the home buying process in South Florida and things you can do to your home even after you’ve moved in.

Mortgage Resource Center

Florida Mortgage FAQ

Do I have to be a member to apply for a TFCU mortgage?

Membership is not required to get pre-qualified or apply for a mortgage with TFCU. If approved for a mortgage with a TFCU, membership will then be required, but handled by your mortgage processor so you can sit back and relax. For information on membership please click here.

What is the difference between being pre-qualified and approved?

The difference in being pre-qualified and approved is the order within the loan process. Borrowers may want to get pre-qualified to get an idea of an amount they would approved for.

Our MLO’s complete a thorough pre-qualification that does include reviewing income, asset and credit documents so that you as a home buyer have a very good pre-qualification for a loan with Tropical, which can be given to the seller

Once pre-qualified borrowers can begin an approval that involves verifying credit, down payment and submitting important loan documents. Getting approved helps to speed up the mortgage process.

What are the TFCU Mortgage service areas?

TFCU services mortgages for those purchasing and refinancing properties located in the state of Florida..