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Second Mortgage

Use the equity in your home with a set payment.

First Florida Credit Union’s competitive, fixed-rate second mortgage gives you access to the equity in your home with a one-time draw of funds. Pay for college, home repairs, debt consolidation, vacation, and more.

You will have peace of mind knowing that you have a mortgage serviced by the credit union with a rate and payment that will remain constant for the entire term.

Advantages of our Second Mortgage Home Equity Loan:

  • Low to no closing costs
    We pay up to $500 toward your closing costs.*
  • Fixed-rate terms
  • Competitive Annual Percentage Rate
  • Servicing retained by the credit union
  • No escrow account required

Property Types: Owner-occupied or primary residences. Excludes manufactured homes, commercial property, income-producing rental homes, and multi-unit (2-4 units) homes.

Apply for a Loan Today

*If loan is paid off within 24 months of origination, member will be required to reimburse the credit union for all fees and closing costs paid on member’s behalf.

Minimum loan amount is $10,000. Maximum loan amount is $500,000. Jumbo loans ($726,200 or greater) are subject to increased interest rate.

Credit qualifications apply and membership is required.


A new streamlined FFIS page will be launched soon.

In the meantime, to access your accounts, visit

or call (800) 766-4328, x8806.