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Home Loans

Your path to owning your piece of Florida starts here. 

Floridacentral offers mortgage, refinance, home equity, and first-time homebuyer solutions for eligible Florida homeowners and buyers. Whether you’re purchasing a home, refinancing an existing mortgage, or using your home’s equity, our local mortgage team can help you understand your options and choose the financing that fits your goals.

Which Home Loan Is Right for You? 
Your best option depends on what you want to accomplish. Explore mortgage financing for a home purchase, refinancing options for an existing mortgage, or home equity solutions that let you borrow against the equity you’ve built in your home. 

Home Mortgages

Finance the purchase of a primary home with competitive mortgage rates and financing options designed for different budgets, down payments, and homeownership goals.

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First-Time Homebuyers

Explore mortgage options, down payment assistance, and homebuyer resources designed to help eligible first-time buyers purchase a home with down payments as low as 3%.

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Home Equity Loans

Borrow a fixed lump sum using the equity in your home for renovations, major expenses, debt consolidation, or other qualifying needs.

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Home Equity Line of Credit (HELOC)

Access a revolving line of credit secured by your home’s equity and borrow as needed for renovations, ongoing projects, major expenses, or other qualifying needs.

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