Take a look around, and if you have any questions or need assistance, our team is here to help.
Whether you’re buying a home or refinancing your current mortgage, Floridacentral offers competitive mortgage rates, flexible loan options, and local guidance to help you finance your Florida home.
Get $1,000 Toward Closing Costs — Plus a 0.15% Rate Discount with Auto Pay1
Make homeownership more affordable with a limited-time mortgage offer from Floridacentral. Save on upfront costs, and enjoy an even lower rate when you enroll in Auto Pay.
Closing Cost Help for Primary Occupancy home purchase:
$1,000 toward closing costs on eligible home purchase loans
Auto Pay Discount:
0.15% rate discount when you enroll in Auto Pay
Floridacentral has been part of the Central Florida community for decades, and we’ve built our reputation as a financial institution neighbors trust. You’ll work with locally based, attentive mortgage specialists who know the local market and guide you through the entire process — helping you choose the financing option that fits your life.
Your financial picture may look different than it did when you first bought your home. Refinancing your mortgage with Floridacentral can help you:
Use our mortgage calculator to estimate your monthly payment based on the loan amount, interest rate, and repayment term you’re considering.
Whether you’re planning for tomorrow, buying a home, or making everyday financial decisions, Floridacentral offers the resources and guidance to help you move forward with confidence.
Protect what matters most with simple, affordable estate planning designed to give you and your loved ones peace of mind.
Explore today’s mortgage rates, home equity options, and resources to help you make confident home financing decisions.
Estimate payments, compare loan options, and plan for your financial goals with our easy-to-use calculators.
Browse articles, tips, and expert guidance to help you make informed financial decisions at every stage of life.
Have questions about financing your home? We’re here to help.
Down payment requirements vary by loan program — some options allow as little as 3% down. Floridacentral’s mortgage specialists can walk you through which programs you qualify for.
A fixed-rate mortgage keeps the same interest rate for the life of the loan, so your principal and interest payment never changes. An adjustable-rate mortgage typically starts with a lower rate that can change after an initial period.
Yes. Getting pre-approved before you start shopping can help you understand how much you may be able to borrow and give you a clearer homebuying budget. Floridacentral’s mortgage team can help you get started with the pre-approval process.
Because decisions are made locally, Floridacentral can often provide pre-approval faster than a national lender. Contact the Home Loans Center to start the process.
Yes. Depending on your qualifications and financial goals, refinancing may help you shorten your loan term, potentially eliminate mortgage insurance, lower your interest rate or monthly payment, or access home equity for renovations or debt consolidation.
Visit our Help Center for more frequently asked questions or contact our team. We’re here to answer your questions and help you explore the home financing option that’s right for you.
1 One thousand dollar closing cost credit and 0.15% rate discount available on qualified first lien Owner Occupied home purchase loans with enrollment in Auto Pay. Auto Pay must remain active to retain the rate discount. Promotional offers subject to change or end without notice. Programs may not be available in all areas. Terms and conditions apply.
2 Home Mortgage Disclosure Act (HMDA) Notice: The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau's Web site (www.consumerfinance.gov/data-research/hmda/). HMDA data for many other financial institutions are also available at this website.
3 Subject to credit approval. The interest rates and APRs shown here represent a loan whereby the purpose of the loan is to purchase a Single-Family Residence with the following loan characteristics: Sales Price of $400,000, Loan Amount of $320,000, no points or discounts, Primary Residence, Owner Occupied, located in a Florida county within FCCU’s designated lending area. The rates and terms are subject to change without notice. The APR (Annual Percentage Rate) is useful when you are comparing the total costs of mortgage products among lenders because it includes estimated loan fees and closing costs spread over the term of the loan. The actual Interest Rate and APR may differ for loans having different loan characteristics which could be affected by loan level price adjustments. Contact your local branch or contact our Mortgage Team at (813) 879-3333 or (800) 528-3330, extension 6244 for more information. Restrictions apply. Rates current as of September 30, 2026.
4 Based on credit score of 760+.