First Mortgages & REFINANCE

Homeownership is the American dream. With so many options and so many lenders available in today’s marketplace, it’s important to pursue a deal that’s right for you with someone you can trust. Simply click on the link below and fill out the requested information and a DCFCU representative will contact you.

Whether you’re buying your first home or refinancing your existing mortgage, DCFCU will help walk you through all the steps involved in receiving the financing you qualify for.

Dade County Federal is proud to offer a variety of Mortgage products, to include: Fixed Rate Conventional Mortgages, Jumbo Loan Products, FHA, & VA loans.

Fixed Rate Mortgage:  With a fixed–rate mortgage, you’ll rest assured that your interest rate is guaranteed to remain fixed for the length of the loan.   Allowing you to always know what your monthly principal and interest payments will be. You can choose from a 10, 15, 20, 25 or 30-year loan term, thus allowing you to lower your monthly payments by spreading them out over a term of up to 30 years.  Low down payments of as little as 5% for qualified borrowers.  Loans with an LTV of more than 80% will require mortgage insurance.

Jumbo Mortgages are available for loan amounts generally greater than $417,000.  With a fixed–rate available for up to 30–year terms.

An FHA Mortgage is a government insured loan.  Terms are available from 10 years up to 30 years, with down payments as little as 3.5% for qualified borrowers.  

VA loans have many benefits and allow service members, Veterans and select spouses to take advantage of little or no down payment requirements, no monthly mortgage insurance and provide up to 100% financing.  You can get a fixed-rate term of 10, 15, 20, 25 or 30 years.

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Mortgage loans are subject to credit and collateral evaluation.  Products offered, terms, and conditions are subject to change or cancellation without notice.  Other restrictions may apply. The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE) is a federal law designed to protect consumers and reduce fraud. To be registered in the Nationwide Mortgage Licensing System and Registry (NMLSR) all residential loan originators must meet the definition of Mortgage Loan Originator. //www.nmlsconsumeraccess.org/ Each agency-regulated institution, including Dade County Federal Credit Union, is assigned a unique entity ID number for the NMLSR. The NMLSR ID unique to Dade County Federal Credit Union is 410320. Individual MLOs working for Dade County Federal Credit Union also have specific NMLSR IDs. Please click below to see each individual MLOs. MLO