Home Loans for Every Stage
Refinance, tap into your home’s equity, or finance land with trusted local lending.
Choose Your Loan
mortgage refinance
Lower your rate, reduce your payment, or change your loan term.
Home Equity Loan
Use the equity in your home to fund projects, expenses, or major purchases.
land loans
Purchase land now and build later — or invest in property for the future.
Mortgage Refinance Loans
Take advantage of a First Mortgage Refinance Loan and lower your interest rate to reduce your monthly payments and save on interest over the life of your loan!
Benefits Include:
Shortening Your Loan Term: Pay off your mortgage faster and save on total interest.
Switching Loan Types: Move from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage for more predictable payments.
Accessing Home Equity: Take cash out for major expenses like home improvements, debt consolidation, or education.
current rates
| Loan Type | Approximate Term | APR* (As Low As) |
|---|---|---|
| First Mortgage Refinance | Up to 60 Months | 5.99% |
| First Mortgage Refinance | Up to 120 Months | 6.24% |
| First Mortgage Refinance | Up to 180 Months | 6.49% |
Calculate Your Payment
Mortgage Refinance Calculator
Determine whether refinancing your mortgage makes financial sense. This calculator estimates your new payment, total interest savings, and how long it will take to break even on closing costs.
Current Mortgage
Refinance Details
*The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.
Home Equity Loan
Home equity represents the difference between your home's market value and the remaining balance on your mortgage. Tap into the equity you've built to fund home renovations, support your growing family, cover educational expenses, or consolidate debt. Whatever your goals may be, SRCFCU is here to provide flexible solutions tailored to your needs.
Current Rates
| Loan Type | Approximate Term | APR* (As Low As) |
|---|---|---|
| Home Equity/Home Improvement | Up to 60 Months | 6.24% |
| Home Equity/Home Improvement | Up to 120 Months | 6.49% |
| Home Equity/Home Improvement | Up to 180 Months | 6.74% |
| Home Equity/Home Improvement | Up to 240 Months | 6.99% |
Calculate Your Payment
Home Equity Loan Calculator
Estimate how much you can borrow and what your monthly payment could be based on your available home equity.
Your Home Information
Loan Details
*The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.
Land Loans
Dreaming of Owning Your Own Slice of Land?
Santa Rosa County Federal Credit Union provides flexible Land Loans tailored to help you turn your vision into reality. Whether you're planning to build your dream home or secure an investment, we're here to support you every step of the way. Land Loans to finance the purchase of land that has not been developed or improved in any way (aka Unimproved Property Loans).
We often require as little as 10% down!
Borrow up to 90% loan-to-value
5, 10, 12, 15, and 20-year terms available
Max amount of $250,000
Land must be located within Santa Rosa, Escambia, or Okaloosa Counties in NW Florida.
Current Rates
| Loan Type | Approximate Term | APR* (As Low As) |
|---|---|---|
| Land Loan | Up to 60 Months | 6.49% |
| Land Loan | Up to 120 Months | 6.99% |
| Land Loan | Up to 144 Months | 6.99% |
| Land Loan | Up to 180 Months | 7.24% |
| Land Loan | Up to 240 Months | 7.49% |
Calculate Your Payment
Land Loan Calculator
Estimate your monthly payment and total cost for financing land based on your purchase price, down payment, and loan terms.
Land Purchase Details
Loan Details
*The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.
Getting Started
Share some basic information with us, and we’ll contact you to finish your application. Or you can download the home loan application and bring it to one of our locations.
Disclaimer:
*APR= Annual Percentage Rate. Standard credit qualifications and other terms and conditions apply. Loans are subject to credit approval. Rates are subject to change without notice and may vary based on creditworthiness, loan term, and collateral. SRCFCU membership required.
NMLS#416274
need help?
Our dedicated Lending Team can help you get customized quotes, competitive rates, and expert guidance for all of your Home Loan needs.
Call 850-623-3877, email loans@srcfcu.org, or fill out the form below.