Home Loans

A home is more than just a roof over your head. It’s a place to make great memories with family and friends. Your home can also be an important long-term investment in your financial future.

Apply NowMortgage Rates

Choose the right home loan.

Dream2Own

From application to closing, VyStar is there with a home loan experience that fits your needs. 

Complete your application, submit documents and track the status of your loan all online.

VyStar Title Agency (VTA)

Whether you’re seeking title insurance or need help with a title search, our VTA team delivers quality service throughout the closing process.

Connect With a Mortgage Specialist

We’re here for you! A VyStar Mortgage Loan Officer can answer any questions and help you weigh your options.

Home & Flood Insurance

In your house, you make the rules. The same goes for finding the right coverage. Get a customized policy to keep everything in your home protected (including the kitchen sink).

Make Your Dream Home a Reality

We’re here to help you through the process, every step of the way.

1

Gather Your Information

Find out which documents and information you’ll need to apply for a mortgage.

Mortgage Application Checklist
2

Start Your Application

Apply online, give us a call at 904-777-6000 or 800-445-6289 or visit us in person at one of our many local branches.

Apply Now
3

Lock in Your Rate

Once you qualify for a mortgage, you can request to lock in your interest rate. This helps protect you if rates change while your application is being processed.

View Current Rates

Related Tools & Resources

Low and No Down Payment Mortgages

We designed a variety of loan options to fit every need

Mortgage Application Checklist

Find out which documents and information we need to complete your VyStar mortgage or home loan application.

Homebuyer’s Guide

Buying a home and getting a mortgage can be a confusing and intimidating process — let us walk you through it.

Disclaimer: Certain restrictions and limitations apply. All loans are subject to credit approval.

VyStar only offers mortgages in Florida and Georgia.

VyStar Credit Union Mortgage & Home Equity SMS Alerts:
VyStar Credit Union offers SMS alerts for its mortgage & home equity loan applicants and borrowers including:
1. In process mortgage application updates such as confirmation of application received and approval status.
2. Existing mortgage application alerts and reminders for payments due or payments applied to escrow items.
You can cancel the SMS service at any time. Just reply with "STOP" to any incoming message. After you send the SMS message "STOP", we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages regarding your mortgage accounts. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at 800-445-6289.
Carriers are not liable for delayed or undelivered messages
As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency will vary depending on what alerts you have opted to receive. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
If you have any questions regarding privacy, please read our privacy policy located here.