Are you ready to buy or refinance a home? USF Federal Credit Union is a lender you can trust, offering you the best solutions to achieve your financial goals. Selecting a mortgage is a big decision and whether you’re buying your first home, moving up or just looking to access cash quickly using your home’s equity, we’re here to help!


First Mortgage Loans Apply Now | *Registration required
USF Federal Credit Union can help make your dream of owning a home a reality. We offer both fixed and adjustable rates on First Mortgages with terms up to 30 years. Apply online today!

Home Equity Loans Apply Now | *Registration required
If you need access to cash quickly and periodically, this is the plan for you! Home Equity and Home Equity Lines of Credit are a smart way to borrow for home improvements, education, vacation or debt consolidation. You can borrow up to 80% of your home's current value, less any outstanding balances. Depending upon the amount borrowed, you have up to 15 years to pay it back.

First Mortgage Pre-QualificationPre-Qualify Now | *Registration required
Pre-qualifying for a home purchase will speed up the home buying process. The pre-qualification allows you as a buyer to determine - based on income and current debt - the maximum amount of financing that you can obtain to purchase a home.

Applications for pre-qualifications are processed, at no charge. Once the pre-qualification is complete a pre-qualification letter will be issued upon request. This can be presented to either the seller of the home you are interested in purchasing or to your realtor.

Home Equity Line of Credit Learn More

Federal Regulations Learn More
The federal government has enacted several consumer protection laws pertaining to residential mortgage lending. USF Federal Credit Union has attempted to review the most salient points of those laws and discuss areas that are important when consumers are shopping for a mortgage loan.