We have a range of mortgage products to fit your needs and the
absolute best rates to go with them. Whether you are buying or
refinancing, primary residence or investment property, we have
something to fit your needs. Please call the Real Estate department
at (407)896-9411 or (800)771-9411 outside Orlando, option 3 if you
have any questions.
Fixed Rate Mortgages
The fixed rate mortgage is the most popular and low risk loan
option available today. It can be used to purchase a home or to
refinance an existing mortgage. The interest rate remains the same
through the term of the loan.
- A conventional fixed-rate fully amortized loan.
- Mortgage terms available for 10, 15, 20 and 30 years.
- Minimum loan amount $25,000; maximum loan amount varies.
- Points can be purchased to reduce the interest rate. We offer
options of 0, 1% and 2%.
- Up to 95% financing available1
- No prepayment penalties
- Refinancing available
Apply
Online
Check
Current Rates
Adjustable Rate Mortgages
First Mortgage - 3/1, 5/1, 7/1 and 10/1
This is a conventional adjustable rate loan. The interest rate
and payment are fixed for the first 3, 5, 7 or 10 years adjusting
annually thereafter for the remaining term. If you plan to sell or
refinance your home within 3 to 10 years, this could be the ideal
mortgage for you.
- 30-year term
- Minimum loan amount $25,000; maximum loan amount varies
- Point options include 0, 1% and 2%
- Initial interest rate is usually lower than a fixed rate
mortgage
- Security of a 2% annual cap & a 6% lifetime cap
- No prepayment penalties
- Refinancing available
Apply
Online
Check
Current Rates
FHA Mortgage
The Federal Housing Administration, generally known as "FHA", is
one of the largest government insurer of mortgages in the world. A
part of the United States Department of Housing and Urban
Development (HUD), FHA provides mortgage insurance on
single-family, multifamily, and manufactured homes. This mortgage
option offers low down payments and low closing costs. A down
payment can be as low as 3.5% of the purchase price and some
closing costs and fees can be included in the loan.
- Fixed rate mortgage
- 15 and 30 year amortization available
- Low down payment
- Financing available up to 96.5% loan to value
- Purchase transactions only
Apply
Online
Check
Current Rates
5 & 10 Year Mortgage Refinance Program
Fast track your mortgage by paying off your mortgage in 5 or 10
years at a low fixed annual percentage rate. This unique loan will
help you to retire without a mortgage or payoff your mortgage and
retire early! Start paying off your mortgage today, save money, and
enjoy life without a mortgage with our flexible refinance
options.
- 5 year term at 2.99% fixed APR
- 10 year term at 3.99% fixed APR
- $250 off closing costs
- Minimum loan amount $7,500; maximum loan amount $200,000
- Financing available for up to 70% loan to value
- Only primary residence; no condos or investment properties
- Loans will never be sold and do not have to be escrowed
- Quick closing and low closing costs
Apply
Online
Check
Current Rates
Payment Examples:
$80,000 at 2.990% APR for 5 years, payment of $1,437.14 (Principal
& Interest) monthly.
$80,000 at 3.990% APR for 10 years, payment of $809.58 (Principal
& Interest) monthly.