RadiFi Makes Home Ownership Affordable: Flexible Low & No Down Payment Options*
Home Loans
Call us now to get started: 904-475-8000.
Pick Your Path And We’ll Get You Home
We’re right by your side with a variety of financing options for the largest and most rewarding transaction of your life.
Conventional Mortgages
Tried and true, our conventional mortgages offer competitive options on terms of your choice.
Adjustable-Rate Mortgage (ARM)
Secure the home of your dreams with a mortgage that suits your needs. An Adjustable-Rate Mortgage (ARM) with a lower initial interest rate may be worth considering.
Mortgage Refinancing
We believe that you deserve a better deal. Find out what you can accomplish in this current real estate market.
Meet Our Mortgage Team
Local People. Local Decisions. Fast Approvals.
Melinda Weber
Jim Bystrzcki
Crunch Your Numbers
How much can you afford? Is now the right time to refinance? Run some numbers with our free calculators.
*The information provided by these calculators is for illustrative purposes only and accuracy is not guaranteed. The values shown are hypothetical and may not be applicable to your individual situation or guarantee extension of credit. Be sure to consult a financial professional prior to relying on the results.
OUR MEMBERS EMPOWER US
We’re dedicated to empowering you, which fuels everything we do.
— Jo N., MemberWhat an incredible mortgage experience! From pre-approval to closing, the entire mortgage team was stellar. They kept me well-informed, found ways to save me HUNDREDS of dollars and we even closed ahead of schedule! Truly remarkable customer service. Thank you, JAXFCU (now RadiFi)!”
Frequently Asked Questions
While qualifications vary for specific mortgage programs, the 2 main things needed are:
- a steady job with sufficient income to support your mortgage payment
- a minimum credit score of 640.
Other lenders may go as low as 580, but will be more costly!
The average closing time depends on the current market and the type of loan. It can take between 30-45 days from origination date after the application file is complete. During this time, an appraisal and inspection are usually conducted and homeowners insurance is purchased. Your mortgage originator can provide you with a more accurate timeline depending on your loan.
Ready to Make Yourself at Home?
Reach out to us today and let’s get started on a home that you can truly call your own.