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Florida Home Loans For All Your Needs

When you dive into the world of mortgages, there's a variety to explore. Whether you're gearing up to buy a new home, looking to refinance with a low credit union rate, or eager to tap into your home equity, TFCU is here to support you every step of the way. Check out our range of mortgage options or start your application today—it takes less than 10 minutes!

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How Can We Help You With Your Florida Home Loan?

Looking for the ideal home loan? Look no further! We've got everything you need right here. Begin by checking out our range of mortgage loans and rates, crunch the numbers to estimate your monthly payments, and get the green light to start house hunting with confidence. Take the next step towards your Florida home loan by selecting one of the options below.

I Want To Buy A House

I'm looking to buy a Florida home and could use some expert advice to steer me through the home buying journey.

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Refinance My Mortgage

I'm looking to browse mortgage refinance rates in South Florida so I can lower my monthly payment and save money.

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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.

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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 Programs

Discover TFCU's diverse mortgage options tailored for Florida residents. Explore our exclusive programs crafted with members' needs at heart. Say goodbye to home buying hurdles with our accessible solutions. With down payments as low as 3% and competitive interest rates, TFCU's Mortgage Programs are engineered to align with your home buying requirements.

First Mortgages

  • 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: 

    No 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

    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

    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

Frequently Asked Questions

    • 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. 

    • 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.

How We Are

Helping Others Feel Good About Banking

Tropical is best bank I’ve ever enrolled in. I was with “ Citi” for 15 years and I definitely wasted my time. Tropical has Great customer service there always genuine they actually care. Now I see the door opening to own my house. Please continue to keep this momentum. Greatful.

Plantation, FL

The team at Tropical Financial Credit Union is phenomenal. Everyone was attentive and patient with my loan and credit needs. Thank you for all of your help and dedication.

"Loving Life Energy"
Miramar, FL

Came into Miramar location to sign loan docs and Keston greeted me from start. He helped me with the loan closing process and even offer me a credit card and product services. Excellent customer services and professionalism thank you 😀

Miramar, FL