Mortgages & HELOCs in the Florida Keys
“Keys FCU did a great job with my mortgage! Thank you for all your help!” Anonymous
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“Keys FCU did a great job with my mortgage! Thank you for all your help!” Anonymous 〰️
We Have the Perfect Loan for the Perfect Home!
For Mortgages and HELOCs on properties in Key Largo and to Key West:
John North, NMLS#785028
Make your Dream of Home Ownership in the Florida Keys a Reality
Financing your primary residence, vacation home, or investment property in the Florida Keys is simple and stress-free with Keys FCU.
Types of Florida Keys Home Loans We Offer
15 and 30 Year Fixed Rate Mortgages
3/1, 5/1 and 7/1 Adjustable Rate Mortgages
FHA and VA Mortgages
Jumbo Loans
Portfolio Mortgages
Low down payment mortgage options
Competitive LOW rates
No Florida intangible taxes on select mortgages
No prepayment penalties
Imagine the Possibilities with a Keys Home Equity Line of Credit!
Your home is an investment. Use it to build your future.
A Keys Home Equity Line of Credit (HELOC) is an easy and convenient way for homeowners to borrow money. Use your equity as collateral to renovate, build a pool or boat lift, pay for higher education, or do something you have always wanted to do.
Benefits of opening a Florida Keys HELOC with Keys FCU:
No origination fees
Affordable payments
Borrow, repay and borrow again without reapplying
Low variable rates
Potential tax advantages
No prepayment penalties
No Florida intangible taxes
Fast local decisions
Is Mortgage Refinancing Right for You?
Refinancing your home loan to a lower interest rate will lower your monthly payment and reduce the amount of interest you pay over the life of your mortgage. You can also reduce your monthly payment by extending the length of your mortgage to a longer term.
If you plan to keep your home for many years, a 15-year or 30-year fixed-rate mortgage may be right for you. If you don’t plan on keeping your home for a long time, an adjustable-rate mortgage (ARM) is a great option.
Refinance to a 15-year mortgage with a low interest rate to build equity in your home faster and reduce your interest expense over the life of your mortgage.
Convert an adjustable-rate mortgage to a fixed-rate mortgage. Refinancing to a fixed-rate mortgage may make sense in the long run if you plan to keep your home for a long time. It keeps you safe from inflation and makes budgeting easier.
If you want to build equity in your home and save money, refinancing to an amortizing fixed-rate or adjustable-rate mortgage is a great option. Amortizing mortgages apply a portion of your payment to the principal balance of your mortgage. Paying down your principal builds equity and saves you money over the life of the mortgage.
Trade your home’s equity for cash. Are you looking to renovate your home, pay college tuition, consolidate debt, or go on a dream vacation? Then cash-out refinancing may be for you. With cash-out refinancing, you take out a new mortgage with a larger principal than your current mortgage. The difference in principal is paid to you in cash to use for your purposes.
