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Orlando

Mortgage Rates

Conventional Mortgage (15-Year Term)

As Low As

6.51% APR**

Conventional Mortgage (30-Year Term)

As Low As

6.96% APR**


Conventional Mortgages

The most popular type of mortgage, ideal for people with good or excellent credit. These loans are not insured or guaranteed by the federal government.

 
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Mortgage icon
  • Purchase or refinance
  • Fixed and adjustable rates
  • Borrow up to 97% for Purchases
  • Borrow up to 95% for Term/Rate Refinances
  • Borrow up to 80% for Cash Out Refinance
  • No mortgage insurance with down payment of 20% or more
  • Low closing costs
  • Maximum purchase price $726,200*

 

Home Buying Guide
Download our comprehensive home buying guide and discover everything you need to know about finding, buying and financing a place you'll love.

First-Time Homebuyer Program

Buying your first home comes with many big decisions, and it can be as scary as it is exciting. If you’re purchasing your very first home, you can take advantage of one of our best mortgage programs.

 
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House icon
  • Fixed rate
  • Maximum purchase price: $726,200*
  • Borrow up to 97% of the home’s value

 

First Responder Mortgage Program

You’ve dedicated your life to helping others, and now we’re here to help you. First responders such as paramedics, police officers and firefighters are eligible for this mortgage program.

 
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First Responder icon
  • Fixed rate
  • Maximum Purchase Price: $647,200*
  • Borrow up to 97% of the home’s value
  • Waived Appraisal Fee

Government-Backed Loans

U.S. Department of Agriculture (USDA) Mortgage

Looking to buy a rural property? The USDA backs loans specifically for home purchases in eligible areas.

 
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Veterans icon
  • Fixed, 30-year term
  • No minimum down payment requirement
  • Maximum purchase price: No Limit
  • Borrow up to 100% of the home’s value

Veterans Affairs (VA) Mortgage

We’re happy to serve those who serve our country. VA mortgages require less money up-front than other mortgage types and are guaranteed by the Department of Veterans Affairs.

 
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Veterans icon
  • Fixed rate
  • No minimum down payment requirement
  • Maximum purchase price: $726,200*
  • Borrow up to 100% of the home’s value
  • No mortgage insurance requirement

The Mortgage Team

Our mortgage professionals are ready to serve you and help you afford the home of your dreams.

Carl Ruiz

Mortgage Loan Officer
NMLS# 495042



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Felix Ortiz Rivera

Mortgage Loan Officer
NMLS# 1042970



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Michael Ruggieri

Mortgage Loan Officer
NMLS# 1203909



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To apply in-person for a mortgage or to complete your loan closing, schedule an in-branch appointment.
The home buying process from Orlando Credit Union.

The Home-Buying Process

Looking to own a home, but unsure about where to start? We can help. Check out Orlando Credit Union's step-by-step guide on buying a home.
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* Loans are subject to membership and credit approval. Purchase prices vary for multi-family homes.

** Annual Percentage Rate

^ Not available on current Orlando Credit Union mortgages. Applicable to owner-occupied properties only. Credit may be applied to standard loan costs that are charged at closing and may include customary third-party and government closing costs. All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Property must be located in Florida. Not all property types are eligible. Other restrictions and limitations apply. Offer may be altered or discontinued at any time without notice. Offer may not be combined with other mortgage offers. Must be a member or qualify for membership with Orlando Credit Union. As a condition of membership, you must maintain an ownership share account with $5 and also a share savings account to be eligible for any other products and services.

NMLS #569755

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