There isn’t much that’s more important to our economy, our communities and our families than owning our own homes.
When you finance your home through VyStar, you save additional money as you don't have to pay intangible taxes at closing, and our origination fees are generally lower than those of most other lenders. All of our escrow accounts earn interest and we service all of the loans we make.
Make your dream home a reality by consulting with the helpful mortgage representatives at VyStar to learn which of our many options is best for you.
With mortgage rates still at historic lows, 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, the choice is yours, we’ll pay up to $5,000 in closing costs* OR .25% rate discount*. Enjoy flexible terms and all the great service you always expect from VyStar Credit Union.
Please note: After completing an online application a Mortgage Loan Officer will contact for further information.
Our fixed-rate mortgages have interest rates that do not change over the life of the loan. You'll also have the security of knowing exactly how much you will be paying each month for principal and interest. You may select from a range of terms.
Our ARMs are stated in terms of how the interest rate on the mortgage changes over the term of the loan.
Whether it’s a new home purchase or a refinance, you can get the home of your dreams with a down payment as low as 3.50%. FHA loans feature more flexible qualifications than a conventional mortgage, including more flexible credit requirements and the allowance of gift funds toward your down payment.
We also offer additional special programs for different types of financing needs. And you can get an even lower rate by paying “points.” Paying points up-front in many cases will result in a lower interest rate.
Veterans also have the opportunity to benefit from VA loan programs.
To learn more and apply today, talk to a VyStar Mortgage Loan Officer today. Call 904-777-6000, 800-445-6289 or stop by any VyStar branch.
*Disclaimer: Certain restrictions and limitations apply. All loans are subject to credit approval. Closing Costs OR .25% Rate Discount offer available only when obtaining a VyStar Credit Union First Mortgage Loan. It is not available on Loans $50K and under, Land, Investment, VA and FHA Mortgages. Available for purchase or refinance. VyStar will pay borrower closing costs up to a maximum amount of $5,000 excluding origination fee and/or discount points, private mortgage insurance, condo document fees, homeowners association fees, home inspections, costs related to deed changes, prepaid funds for homeowners and/or taxes, prepaid interest or funds to establish the member’s homeowners and/or property taxes 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. ©2020 VyStar Credit Union.