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.
Tried and true, our conventional mortgages offer competitive options on terms of your choice.
No Closing Cost Mortgage
Get over an early hurdle by rolling most of your closing costs (up to $5,000 maximum) into your loan balance or interest rate.
Home Possible Mortgage
Large down payment requirements shouldn’t put home ownership out of reach. Find out if you meet the criteria to buy a home with only 3% down.
Adjustable-Rate Mortgage (ARM)
Secure the home of your dreams with a mortgage that suits your needs. An ARM, where the interest rate changes during the life of the loan, may be worth considering.
We believe that you deserve a better deal. Find out what you can accomplish in this current real estate market.
Affordable Housing Assistance
For first-time homebuyers and others, the Affordable Housing Program may be the right choice for you.
FHA and VA Mortgages
We believe in serving our community. That’s why we provide affordable mortgage options for veterans, low-income families, and others.
Meet Our Mortgage Team
Local. Experienced. Expert.
Our mortgage team has the insights and expertise to get you to your goal with the best terms possible.
— Jo N., Member
What 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)!”
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.