Gainesville-based Florida Credit Union offers fixed-rate and adjustable-rate mortgages to borrowers throughout Florida, focusing on borrowers in the state’s northern and central regions.

Why We Like It

Florida Credit Union offers a number of mortgage programs, including FHA, USDA, VA loans. Construction, land, manufactured homes and condos are also available, in addition to home equity loans, home equity lines of credit (HELOCs) and refinancing options.

What We Don’t Like

Florida Credit Union’s reach is limited, with branch locations only available in the northern and central parts of the state.

Who It’s Best For

Florida Credit Union is best if you live in the areas of the state where the credit union has branch locations.

How to apply

Borrowers can start the mortgage preapproval process online or by calling a mortgage loan officer. Florida Credit Union operates 13 branch locations in northern and central Florida for local appointments.


The average closing time takes about 30 to 45 days, according to Florida Credit Union.


  • Minimum credit score of 580 for FHA, VA and USDA loans
  • Minimum down payment of 0% for conventional, VA and USDA loans; 3.5% for FHA loans

Loan types

Florida Credit Union offers fixed-rate and adjustable-rate mortgages (conventional, Fannie Mae, jumbo), government loans (FHA, VA and USDA) and options for construction, condos and manufactured homes with land. Home loan refinancing programs are also available.

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Last Update: June 26, 2024

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