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Lower Your Costs. Unlock your home.

Build your future with closing cost support and an exclusive discount.

Your Home Starts Here.

This spring, owning a home may be closer than you think. Whether you’re a first-time buyer, a long-term renter ready to make the leap, or simply exploring your options, Floridacentral is here to make homeownership more accessible and affordable.

Buying a home is one of life’s most exciting financial steps, and with the right support, it doesn’t have to feel overwhelming. Our Home Purchase for your Primary Residence program provides the tools, savings, and guidance you need to move forward with confidence and start your next chapter.

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$1,000 toward closing costs* 

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0.15% rate discount with Auto Pay* 

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Competitive fixed home loan rates

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Personalized guidance every step of the way 

Making Homeownership More Affordable 

Members can take advantage of a special offer designed to ease two of the biggest upfront hurdles: closing costs and monthly payments. When you enroll in Auto Pay with FCCU, you’ll receive $1,000 credit toward your closing costs and a rate discount of 0.15% — helping you start with lower expenses and greater confidence.  

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Reduce upfront cash needed at closing 

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Lower your monthly payment through a discounted rate 

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Make homeownership more affordable 

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Built for first-time buyers and seasoned homeowners alike  

Programs That Help First Time Buyers 

If you’re purchasing your first home, there are additional programs that may help you reduce costs and make homeownership more attainable. You may qualify for our First Time Homebuyers Program or Down Payment Assistance Program (subject to eligibility). Our team will walk you through your options and help you understand what you qualify for. 

Why Floridacentral?

We understand that buying a home can be overwhelming — especially your first time. That’s why our experienced mortgage team is here to guide you from application to closing with clarity and confidence. With Floridacentral, you're not just applying for a loan — you're gaining a trusted partner in your homebuying journey. 

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    Personalized one-on-one guidance 

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    Competitive mortgage rates 

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    Local underwriting and lending decisions 

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    Easy online application and document upload 

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    Seamless communication from start to finish 

Questions About Buying a Home? 

 If you have questions about our mortgage options or the home purchase process, our local mortgage specialists are here to help. We’ll guide you through rate options, closing cost credits, first time buyer programs, and more. 

Disclosures

NMLS #695819

One thousand dollar closing cost credit and 0.15% rate discount available on qualified first lien home purchase loans with enrollment in Auto Pay. Auto Pay must remain active to retain the rate discount. This promotional offer is available as of March 1, 2026, and is subject to change or end without notice. Programs may not be available in all areas. Terms and conditions apply. Membership eligibility required. Not all applicants will qualify. Down Payment Assistance and First Time Homebuyers programs are subject to separate eligibility and terms.