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, we’ll pay up to $5,000 in closing costs*. Enjoy flexible terms and all the great service you always expect from VyStar Credit Union.
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.
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, go to our Mortgage Center, or talk to a VyStar Mortgage Loan Consultant today. Call (904) 777-6000, 1 (800) 445-6289 or 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 or, FHA 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 or funds to establish the borrower’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.
Please note: The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.