Credit Union Mortgage Loans

Competitive rates, low fees and exceptional service. With an affordable VyStar mortgage, we’re here to support you every step of the way.

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Compare Your Options

Learn about the different types of mortgages and decide which one works best for you and your family.

View Current Rates

Take a look at our rates for fixed- and adjustable-rate mortgages for a variety of loan terms and amounts.

See What You Can Afford

Use our mortgage calculators to figure out your monthly payment, based on the interest rate, loan amount and term.

Talk to a Mortgage Loan Officer

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

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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.

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3

Lock in Your Rate

Once you qualify for a mortgage, we’ll guarantee your rate. This protects you if interest rates fluctuate during the application process.

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Calculate How Much You Can Borrow

Mortgage FAQs

How much can I afford?

Many experts recommend that your housing costs — including mortgage, taxes and insurance — should be no more than 28% of your monthly income, but that may not work for everyone. To figure out how much you can afford to spend on a home, consider your household income, monthly debts like car loans and student loan payments and the amount you have saved for a down payment. You can use our Mortgage Calculators to run some numbers or talk to one of our Mortgage Loan Officers for help and advice.

What’s the difference between fixed-rate and adjustable-rate mortgages?

With a fixed-rate mortgage, your interest rate stays the same for the life of the loan. With an adjustable-rate mortgage (ARM), the interest rate can change over time, which means that your monthly payment can also change. VyStar offers ARMs where the rate is fixed for the first few years, and then adjusts annually after that.

What are mortgage points?

Mortgage points are fees that you pay to your mortgage lender up front, when the loan closes. In exchange, you get a lower interest rate on the loan, which results in a lower monthly payment. Paying points up front can save you money in the long-term if you own the home for a longer period of time. However, if you sell the home quickly, then you might lose money by paying points.

How can I learn more about getting a mortgage and buying a home?

Our Homebuyer’s Guide walks you through the steps of getting a mortgage and buying a home, from the initial research to getting your own set of keys. If you have more questions and would like to speak to someone in person or by phone, contact one of our Mortgage Loan Officers for assistance.

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Related Tools & Resources

Homebuyer’s Guide

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

Title Insurance

Protect yourself against ownership claims and other legal issues that could arise after you purchase a property.

Home Insurance

Find the home insurance policy that’s right for you, whether you want a low premium, a low deductible or comprehensive coverage.

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

Please note: The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.