It’s a great time to purchase the home of your dreams or refinance the house you’re in. When you get a VyStar mortgage, we’ll pay up to $5,000 in closing costs*. And, our team of experienced Mortgage Loan Officers is ready to work with you wherever and whenever is convenient for you.
Whether you are a VyStar member or are eligible but haven’t joined us yet, you can use VyStar’s Mortgage Center online to begin your application process.
Click here for our Mortgage Center and to get started. The first screen you will see has basic home loan information, rates, calculators, and if you are ready, the option to “Apply Now”. Click Apply Now as seen on the illustration below. The application process is streamlined for your convenience and will even allow non-members to begin the process of utilizing this service.
Members can also phone VyStar's Call Center at (904) 777-6000 or 800-445-6289, option 3 to apply for a VyStar Mortgage Loan. Our Call Center Mortgage Unit is standing by to help you with your application. Call (904) 777-6000 option 3 or 800-445-6289 option 3.
Non-members: If you are eligible for membership we will help you join VyStar and apply for a Mortgage Loan. Use our Mortgage Center Application to provide your contact information and the loan you are interested in or visit any VyStar Branch. Click here for details on how to join VyStar. Or, you are welcome to stop by any VyStar branch.
*Certain restrictions and limitations apply. All loans are subject to credit approval. No Closing Costs offer available only when obtaining a VyStar Credit Union First Mortgage Loan and is not available on
VA, FHA & Reverse Mortgages. Available for purchase or refinance. VyStar will pay borrower closing costs up to a maximum amount of $5,000 excluding origination fee, discount points, private mortgage
insurance, prepaid interest, home owner association fees, home inspections (including but not limited to wood destroying organism, roof, and structural engineering), condo document fees or funds to establish the member’s escrow account. If the borrower pays off the mortgage within the first 36 months, they will be required to reimburse VyStar for a portion of the closing costs paid by VyStar. Offer available for a limited time and subject to change without notice.