Products and Services

Mortgage Loans:

At VyStar, we are committed to providing outstanding value and making homeownership a reality for our members. That means a home and payments you can live with long after you close.  Whether you are looking to refinance, secure new home financing, or ask a question about the loan process, we want to serve your financial needs.

Simply Sensible Mortgages. With our mortgage loan programs, you get the most extras and best service at the lowest possible cost. Take a look at our full range of competitive fixed- and adjustable-rate mortgage loans with a variety of terms. Get the loan you need faster and more conveniently online. At MORTGAGE CENTER you can apply for a loan; track rates; and find out (calculate) how much you can afford and more.

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Mortgage Loan Consultants

  • Competitive rates
  • Escrow that pays interest
  • No Closing Costs offer*
  • No hidden fees or prepayment penalties
  • No intangible tax at closing
  • Ask us about refinancing
  • Easy pre-qualify – it’s free; no obligation
  • Easy online application and other e-services at MORTGAGE CENTER
  • Comprehensive program available to assist with the buying and selling of real estate as well as closing on a loan

Mortgage Programs

How to Apply

Should I Refinance

Florida Hardest Hit Fund

What Our Members Say


*No Closing Costs offer available for purchase and refinance. Subject to credit approval - certain restrictions and limitations apply. Offer available only when obtaining a VyStar First Mortgage Loan - not available on VA, FHA & Reverse Mortgages. VyStar will pay borrower closing costs up to a maximum amount of $5,000 excluding origination fee, discount points, private mortgage insurance, prepaid interest or funds to establish the member's escrow account. If the borrower pays off mortgage within the first 36 months, they will be required to reimburse VyStar for a portion of the closing costs paid by VyStar. Fees are collected during the loan process and will be credited back on the settlement statement at loan closing.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Loans made are considered without regard to race, color, religion, sex, national origin, marital status or age of any persons, or because a person received income from a public assistance program, or has in good faith exercised any right under the consumer credit protection act.