Home Mortgage

We’re committed to providing the wisest way home.

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Conventional Mortgages

The largest transaction in your life shouldn’t be the most difficult. Let our mortgage team walk you though the process, step by step.

Financing Options

Our mortgages are tailored to your circumstances. Take advantage of up to 100% financing options.

Lower Your Burden

We feature a no closing cost option to reduce your financial burden upon closing.

No PMI Option Available

Lower your monthly payment obligation by arranging your mortgage for our No Private Mortgage Insurance (PMI) option.

Choose Your Own Terms

Our mortgages meet the needs of any homebuyer. Select 15, 20, or 30-year terms for your fixed-rate home loan^*.

Local Expertise

Enjoy direct underwriting and processing with decisions on your home loan application, made in-house by those with local expertise and shared commitment to your community.

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.

Check our Mortgage Rates

OUR MEMBERS EMPOWER US

We’re dedicated to empowering you, which fuels everything we do.

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)!

— Jo N., Member

All Your Burning Questions Answered

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.

Not finding what you’re looking for? See all our FAQs.

There’s Even More To Check Out…

Savings Accounts

Savings to serve a purpose.

Your goals are within reach. Our Savings Accounts establish your membership with us and launch your journey towards achieving your financial goals.

Discover Our Savings Accounts

Credit Cards

You deserve some credit.

Our line of credit cards empower you with fair and transparent terms that generate rewards for the spending that you do every day.

Credit Cards

Get In Touch Today

Our mortgage team is ready to help you with every step in the homebuying process. Reach out to us today to get started.

Get Started Now

Apply Online

Call Us

904-475-8000

Meet Us

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Disclosures

*Loans for primary residences or second homes in Florida and Georgia only. The amount of the total costs paid may be limited by the loan amount and certain underwriting factors.

Payment Example: The monthly principal and interest payment for a $200,000 conventional loan on a primary residence at 6.00% APR for 30 years is $1,199.10.