Your Credit Union - The Best Home for Your Home Loan

You're buying a home and you're looking for mortgage financing. You want the best rate, of course, and good service. But where do you start?

Mortgage LoansIf you've always suspected that the credit union is the best place for a mortgage loan, you were right! Here's why:

  1. You know us. Because you're a member, you know who we are and you're familiar with our products, our services and our staff. If there's ever a problem, you can come in and discuss it with us in person.
  2. We know you. Because we already have a relationship, most of the information we need from you is already in our records. And while we may need to ask you for information again as we assist you with a home loan application, you're not starting from scratch like you would be with a lender you've never worked with.
  3. Your loan stays here. Did you know that the average mortgage loan is sold 4 times in the first year? That's a lot of transferring of records and escrow accounts. At Florida DOT Credit Union, we keep your loan in one place more than 98% of the time.
  4. Rates. Because there are hundreds of different mortgage programs out there and some programs have lower rates than others, it's impossible to really compare rates on home loans unless you know exactly what you're looking for. You also have to be sure the person on the other end of the line is being perfectly honest with you.

    At the credit union, we do more than just home loans. You'll get full information about rates for the program that's right for you. You can also rest assured we're not "marking up" the rate in order to pocket more profits. You are, after all, an owner here, so any profits your loan generates are really yours.
  5. Service. You already know how we feel about exceptional member service, but what you may not know is how important excellent service is when it comes to your home loan. Communications between the various professionals working on your home purchase are kept confidential, and we'll do everything possible from our end to ensure the process goes smoothly.
  6. Programs. Whether you're buying your first home, an investment property or a second home, the Florida DOT Credit Union has all the programs you need. Come in or call for a free consultation.
  7. We're yours! If you had a family member who could help you buy a home, you wouldn't need to look elsewhere. That's why our members make the credit union their first and last call for home financing, knowing they can safely avoid the hassle of finding a lender while being sure they're getting the best at the same time.

So if you're buying a home, or just thinking about it, come on in to the credit union or click the link below.

Click Here to get the Process Rolling

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the locations where HMDA data may be inspected, or to receive a copy of these data, send a written request to: Florida DOT Credit Union, 640 East Gaines Street, Tallahassee, FL 32301.


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