*PLEASE BE ADVISED - Product offers, rates, terms and other information provided herein are subject to change without notice. Due to occasional inaccessibility to this site which may be beyond our control, VyStar cannot guarantee the completeness or accuracy of the information provided herein. The information provided to you is estimated and provided solely for you as an interactive resource. The results are not guaranteed to be accurate based upon your specific loan terms and parameters. To verify current offers and rates, please contact your Mortgage Loan Officer. The rate you may qualify for is based on a variety of factors. In addition to property type, credit history, and loan-to-value, other factors may include loan purpose, loan amount, occupancy, lien(s), income and other financial obligations. 

Notice: Your actual rate, payment, and closing costs could vary. You are encouraged to obtain an official Loan Estimate before obtaining a loan. Rates, including those published or quoted, are subject to change and are not guaranteed until locked in by VyStar Credit Union.

*Conventional fixed rate mortgage loan rates are based on a purchase loan amount of $300,000 at 60% LTV with excellent credit based on a 45-day lock. Private Mortgage Insurance is required with less than 20% down payment and the addition of Private Mortgage Insurance will increase the APR. Mortgage interest rates are subject to change at any time and without notice based on market fluctuations. The rate and term offered to members may differ from the rates reflected above based on the credit history, final loan-to-value, and mortgage loan program.

*Conventional Adjustable Rate Mortgage (ARM) loan rates are based on a purchase loan amount of $300,000 at 60% LTV with excellent credit based on a 45-day lock. Private Mortgage Insurance is required with less than 20% down payment and the addition of Private Mortgage Insurance will increase the APR. Mortgage interest rates are subject to change at any time and without notice based on market fluctuations. The rate and term offered to members may differ from the rates reflected above based on the credit history, final loan-to-value, and mortgage loan program.

*Jumbo fixed mortgage loans are mortgages in excess of $806,500 up to a maximum of $2,000,000 per loan. Jumbo financing is available up to 90% loan to value. Jumbo mortgage loan rates are based on a purchase loan amount of $1,250,000 at 60% LTV with excellent credit based on a 45-day lock. Private Mortgage Insurance is required with less than 20% down payment and the addition of Private Mortgage Insurance will increase the APR.

*Jumbo Adjustable Rate Mortgage (ARM) mortgage loans are mortgages in excess of $806,500 up to a maximum of $3,000,000 per loan. Jumbo ARM financing is available up to 90% loan to value. Jumbo mortgage loan rates are based on a purchase loan amount of $1,250,000 at 60% LTV with excellent credit on a 45-day lock. Private Mortgage Insurance will increase the APR.

*Jumbo Construction-to-Perm 30 Year fixed mortgage loans are mortgages in excess of $806,500 up to a maximum of $2,000,000 per loan. Jumbo Construction-to-Perm financing is available up to 90% loan to value. Jumbo Construction-to-Perm mortgage loan rates are based on a purchase loan amount of $1,250,000 at 60% LTV with excellent credit based on a 120-day lock. Private Mortgage Insurance is required with less than 20% down payment and the addition of Private Mortgage Insurance will increase the APR.

*Jumbo Construction-to-Perm 5/5 Adjustable Rate Mortgage (ARM) mortgage loans are mortgages in excess of $806,500 up to a maximum of $3,000,000 per loan. Jumbo Construction-to-Perm financing is available up to 90% loan to value. Jumbo Construction-to-Perm mortgage loan rates are based on a purchase loan amount of $1,250,000 at 60% LTV with excellent credit based on a 120-day lock. Private Mortgage Insurance is required with less than 20% down payment and the addition of Private Mortgage Insurance will increase the APR.

*Specialty Products (HabiJax) mortgage loan rates are based on a loan amount of $247,500 at 99% LTV with excellent credit based on a 45-day lock. Mortgage interest rates are subject to change at any time and without notice based on market fluctuations. The rate and term offered to members may differ from the rates reflected above based on the credit history, final loan-to-value, and mortgage loan program.

Condominium financing is available up to 95% loan to value.

Manufactured Home with Land (MH with Land) mortgages available up to $806,500.

*Disclaimer: Certain restrictions and limitations apply. All loans are subject to credit approval.

*Minimum loan amount is $20,000 for all mortgage loan products.

To verify current offers and rates, please call 904-777-6000 or 800-445-6289, option 9.

*FHA rate mortgage loan rates are based on a purchase loan amount of $300,000 at 96.5% LTV with excellent credit based on a 45-day lock. Mortgage Insurance Premium is required and will increase the APR. Mortgage interest rates are subject to change at any time and without notice based on market fluctuations. The rate and term offered to members may differ from the rates reflected above based on the credit history, final loan-to-value, and mortgage loan program.

*VA rate mortgage loan rates are based on a purchase loan amount of $300,000 at 100% LTV with excellent credit based on a 45-day lock. A funding fee may be applicable that would increase the APR. Mortgage interest rates are subject to change at any time and without notice based on market fluctuations. The rate and term offered to members may differ from the rates reflected above based on the credit history, final loan-to-value, and mortgage loan program.

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.