We turn the possible into achievable.

Home Possible Mortgage

Call: 904-475-8000

Breaking Down Barriers Between You & Your Dream Home

Affordable financing options, competitive rates, and flexible terms tailored to your unique needs. RadiFi is committed to being your trusted partner in turning your homeownership dreams into reality. Explore the advantages of our Home Possible Mortgage, where possibilities meet affordability, and embark on the journey to own your ideal home with confidence.

For those without a large down payment to make on a home purchase, the Freddie Mac Home Possible mortgage is an ideal solution for those who meet certain criteria^*.

Purchase Or Refinance

Whether you’re looking to buy a new home or refinance your existing mortgage, the Home Possible Mortgage could be the solution you’re looking for¹.

Low Down Payment

You deserve a more realistic number. The Home Possible Mortgage requires a low 3% down payment on your home purchase.

Beyond Credit Scores

Dreams shouldn’t be held back by ratings. Pending Freddie Mac approval, the Home Possible Mortgage loan rate is not dependent on your credit score.

Meet Our Mortgage Team

Local People. Local Decisions. Fast Approvals.

Melinda Weber

Mortgage Originator

DIR 904-475-8079

NMLS 252916

Schedule an Appointment

Jim Bystrzycki

Mortgage Originator

DIR 904-475-8078

NMLS 1000667

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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.

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…

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.

Explore Our Credit Cards

Savings Accounts

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

Make Yourself at Home

We’re ready to help by walking you through every step of the home buying process. Reach out to us today.

Get Started Now

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904-475-8000

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.

¹No cash out.