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!

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

 


Jim Quirk, Mortgage Loan Originator

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

 

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


Portfolio

  • Fixed & adjustable rate products


Vacant Land

  • As low as 10% down