We Have A Mortgage For You!

Graphic Web Banner saying, "Mortgage Rates Have Dropped! Lock in low rates for your BIG purchase!" Refinances, First time buyers, and new builds welcome!Why choose us to finance your dreams?
We are local and will always be.  All loan decisions are made right here by our experienced Mortgage team.  Our community partnerships are solid with realtors, builders and title companies.  We will guide you all the way through the process from A to Z.  Let us show you, how easily it can be done!

Apply For A Mortgage

Picture of Emily Sawyer, Mortgage Loan Originator at SACFCU
Emily Sawyer, Mortgage Loan Originator
NMLS# 1767819
W: 352-588-2732 ext. 2230
C: 352-424-5012


Jim Quirk, Mortgage Loan Originator

NMLS# 659692
W: 352-588-2732 ext. 3226
C: 813-230-9487


Image of a family with their dog promoting SACFCU's free upcoming Homebuyer Workshop. Click for the .pdf flyer with full details.

Fannie Mae

  • 30, 20, 15 & 10 Year Fixed Rates
  • 3% down for first time home buyers
  • 5% down all others
  • Rate/Term refinance up to 95% loan to value
  • Cash Out refinance up to 80% loan to value
  • Future rental income can be used to qualify for investment properties

USDA/Rural Development

  • 100% financing available

Construction to Perm

  • 20% down
  • Can use appraised equity towards 20%
  • Up to a 30 year term


  • Fixed & adjustable rate products

Vacant Land

  • As low as 10% down