We offer a conventional mortgage loan to members for the purchase or refinance of their primary residence. The home must be an existing single-family, block or frame, detached residence located in Florida or Georgia.

Purchase loans available up to 95% of the purchase price or current appraised value, whichever is less. No construction loans.

Refinance with additional cash out over your existing 1st mortgage balance and closing costs, financing available up to 90% of current appraised value. This additional cash can be used for any worthwhile purpose such as paying off an equity loan, home improvement, debt consolidation, and/or investment.

Refinance to reduce your rate/term paying off just your existing 1st mortgage balance and closing costs, financing available up to 95% of current appraised value.

You can choose between a fixed or adjustable rate loan program with terms up to 30 years. Interest rates are quoted daily and are determined by market conditions. Click here for current rates.