Mortgages
Dream it. Own it. Live it.
Our expansive portfolio of mortgage products offers both traditional and non-traditional financing options. Achieva Credit Union has the products and services to assist with your individual mortgage needs. We offer a full menu of mortgage products, including Conventional fixed rate, FHA & VA programs, and Jumbo Loans.
For more information or current Mortgage Rates,
please
contact an Achieva mortgage specialist:
(727) 431-7694, (941)
907-4894,
non-local (800) 593-2274 ext. 7694
mortgage@achievacu.com
LIMITED TIME OFFER!
Adjustable-Rate Mortgages as low as 3.25% (3.728% APR) - click here for the details.
Click here to check out all of our mortgage loan rates and payment examples.
Start your loan application now!
Product Options
- NEW! 10-Year Mortgage Program
- NEW! Physician Mortgage Program
- 10-40 year terms (Fixed)*
- 10-30 year terms (Adjustable-Rate Mortgage)**
With our 3/3 flexible mortgages, your low rate is fixed for a period of time (3 years), adjusts, and is fixed again for another period of time (3 years). The rate may vary or the payment may increase, but you’ll have peace of mind knowing the maximum adjustment per change is no more than 2% from the previous rate. - Traditional ARMs: 3/1, 5/1, 7/1
- Financing for condos, vacation homes, and investment properties
- First time home buyer programs available
15/30 Mortgage Option
How low can we go? Our 15/30 Mortgage Option offers you the money-saving benefit of a shorter term and low fixed rate, with the convenience of a lower monthly payment.
- Lower monthly payment based on a longer amortization schedule
- Low, fixed rate with a shorter term mortgage
- No points for origination fees
- No prepayment penalties
- Loan servicing stays with Achieva
- Escrow accounts available (no charge for escrow waiver)
Thinking of refinancing?
We can help. Our experienced mortgage specialists assist individuals who are looking to refinance their homes, and are very familiar with the entire process. You may not even realize, but in most cases, you’re not bound to your original lender. Now’s the perfect time to make the switch - and we'll take the time to explain the features and benefits of each mortgage option, and find the perfect solution to fit your individual needs.
Personalized Local Service
Looking for that personalized, local service along with lower fees and faster closing? Achieva Credit Union can provide you with these solutions. Need a quick closing? Not a problem. Our mortgage loans are processed, underwritten, closed and serviced locally. The mortgage specialists at Achieva have over 100 years of combined mortgage experience. Our staff is available to meet with you evenings and weekends as well. They will attend closings with you, which will provide an additional level of confidence and security. We can also facilitate certain purchases outside the state of Florida - contact us for more information.
Click here to print our mortgage application and additional required documents.
* With a 20% down payment, a 15-year fixed-rate loan for $100,000 with a rate of 4.50%(4.669% APR) would be repaid in 180 payments (principal and interest) of $765 each.
** With a 20% down payment, a 3/3 adjustable rate mortgage for $100,000 with an introductory rate of 4.00% would be repaid for the first 36 months in payments (principal and interest) of $478 each. (APR after the 36 month introductory period will be variable and may be subject to increase). Variable APRs shown are the best available for the initial fixed rate period of 3 or 5 years only. After the initial fixed-rate period, your variable APR will be based on the movement of the Treasury Security Index for a comparable maturity as the ARM program selected plus a margin determined by your credit qualification. Your qualifying margin over the index is determined at the time you lock-in your final rate. The variable rate and APR may adjust up or down with a CAP limitation not to exceed 2% for any one change. The maximum increase or decrease in percentage points for the term of the loan is 6%. However, the rate on your loan will never decrease lower than the margin. A change cannot occur more than once every 36 months for the 3/3 ARM and once every 60 months for the 5/5 ARM. An increase in rate would represent an increase of your monthly payments. Property insurance is required.
