Refinancing Mortgages


Refinance Your Home


Refinance your current loan to obtain an interest rate or loan term that better suits you. If rates dropped or your finances changed, Florida Credit Union may be able to refinance your mortgage and save you money. We'll listen to your goals and discuss options to get you the loan that fits your financial needs. 

Reasons to Refinance

Lower your monthly payment

A lower monthly payment gives you more cash to use as you see fit

Lock in a rate

Move from an adjustable-rate to a fixed-rate loan

Shorten your loan term

Refinancing could reduce the amount of time it takes to pay off your loan

Take cash out

You could access your home's equity through your current loan

Benefits of Refinancing a Mortgage with FCU

  • Fast pre-approval decisions, local, online, or by phone
  • Assistance with navigating the home-refinancing process
  • Competitive rates
  • Quick, convenient, customized mortgage based on your needs
  • Fixed and variable rate mortgages available
  • Ability to cash out on equity for major expenses such as home improvements


Get Started Today

Start your Application

Complete an application online to get started

Apply Now
Call 352-264-2649

Get connected with one of our mortgage experts

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Mortgage Team

Our Mortgage Loan Originators are ready to help you

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Mortgage Calculators


Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending is available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. This data is available online at the Consumer Financial Protection Bureau’s Website ( HMDA data for many other financial institutions is also available at this website.

The calculators found on this page are for information purposes only. While the results of the calculators may be generally accurate, the results do not reflect any specific credit union accounts, loans or other products or services and may not exactly match the calculation methods used by the credit union (or any third party) for accounts, loans, or other products or services. These calculators should be used only for general informational purposes and should not be relied on for any specific transaction.