Mortgages & Home Loans from Connect Credit Union
Buying a home is one of the biggest financial decisions you can make. Connect Credit Union helps members explore mortgage and home loan options through trusted mortgage guidance, homebuying support, and access to programs designed for purchase, refinance, and home equity needs.
Through the Home Partners Plus Program, members may also connect with trusted real estate support and the opportunity to receive a rebate credit at closing.
Connect Credit Union helps eligible members across Florida, including Fort Lauderdale, Miami, Stuart, Broward County, Miami-Dade County, and Martin County, explore mortgage, refinance, and home equity options.
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Mortgage and Home Loan Options
We offer a range of home financing solutions to fit different goals and stages of life.
First Mortgages
Our first mortgage solutions are designed for homebuyers and homeowners looking to purchase or refinance.
Through our partnership with 1st United Home Loans, members have access to a wide variety of mortgage programs, including:
- Conventional loans
- FHA loans / Streamline Refinance
- VA loans
- Fixed-rate mortgages with 15 and 30-year terms
- Down payment programs, as low as 3%
These programs are designed to meet the needs of first-time buyers, growing families, and homeowners seeking long-term stability.
Home Equity Line of Credit (HELOC)
A Home Equity Line of Credit allows you to borrow against the equity in your home for major expenses and long-term projects.
Common uses include:
- Debt consolidation
- Home improvements
- College tuition
- Major purchases
- Emergency expenses
Our HELOCs feature:
- Adjustable interest rates
- Flexible repayment options
- Credit lines up to $450,000
- Terms from 15 - 20 years, based on eligibility
Our Mortgage Partnership With 1st United Home Loans
To provide members with access to a wide range of mortgage programs and specialized expertise, Connect Credit Union works with our trusted partner, 1st United Home Loans.
1st United Home Loans is committed to high-quality service and personalized lending solutions. Their team helps members navigate the mortgage process from application to closing.
Available services include:
- Purchase loans
- Refinance loans
- Specialized lending programs
- Personalized consultations
This partnership allows you to benefit from both local credit union service and dedicated mortgage expertise.
Why Choose Connect Credit Union for Your Home Loan
When you work with Connect Credit Union, you receive guidance and support throughout your home financing journey.
Advantages include:
- Competitive mortgage and HELOC programs
- Nominal application fees
- No-point and no-origination-fee options on select programs
- Multiple closing options
- Expert advice from experienced loan officers
- Customized loan solutions
- Down payment options as low as 3% on qualifying first mortgages
- HELOC terms up to 20 years, based on eligibility
All loans are subject to credit approval. Rates and terms may vary.
How the Mortgage Process Works
Our streamlined process is designed to reduce stress and keep you informed.
- Initial consultation and application
- Review of financial information and documentation
- Loan program selection
- Processing and underwriting
- Closing and funding
Throughout the process, our team and lending partners are available to answer your questions.
Frequently Asked Questions
No. We offer programs for both first-time and experienced homebuyers.
All mortgage and home equity loans are subject to credit approval. Rates, terms, and conditions may vary based on creditworthiness, property type, occupancy, and loan program. HELOC loan-to-value may not exceed 85% based on underwriting guidelines. Membership eligibility required.
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