Contact a Loan Officer

General Mortgage Sales

General Mortgage Sales

mortgages@usffcu.org
813.569.2040
USF FCU NMLS #756399

Ashton Burke, Mortgage Loan Consultant

Ashton Burke

Mortgage Loan Consultant
aburke@usffcu.org
813.569.2199
NMLS #1391126
Apply Now!

Courtney Myers, Mortgage Loan Consultant

Courtney Myers

Mortgage Loan Consultant
cmyers@usffcu.org
813.569.2143
NMLS #2078148
Apply Now!

Susan Rossi, Mortgage Loan Consultant II

Susan Rossi

Mortgage Loan Consultant II
srossi@usffcu.org
813.569.2052
NMLS #765922
Apply Now!

Gary Fields, Executive Loan Consultant

Gary Fields

Executive Loan Consultant
gfields@usffcu.org
813.569.2035
NMLS #541274
Apply Now!

Bobby Bucholtz, Mortgage Sales Manager

Bobby Bucholtz

Mortgage Sales Manager
bbucholtz@usffcu.org
813.569.2183
NMLS #756399
Apply Now!

 

Types of Mortgages

A home loan with a fixed interest rate for the entire term of the loan. This creates a consistent payment (principal and interest) for the life of the loan.

These mortgages are also called ARM’s and have a fixed period of time during which the initial interest rate remains constant, after which the interest rate adjusts at a pre-arranged frequency. After the initial period of the loan the interest will adjust at set intervals to reflect the current market rate of interest. This creates variability with amount of interest paid as well as a fluctuation in payment amounts over the life of the loan.

A FHA mortgage is a loan that is insured by the Federal Housing Authority. These loans have a fixed interest rate and consistent payment amounts (principal and interest) over the life of the loan. These loans can only be completed through FHA lenders.

A VA loan is a mortgage product that is supported by the Department of Veteran Affairs (VA) and backed by the federal government. This product is offered to veterans, service members and their surviving spouses to assist with purchasing homes. To qualify for a VA loan you will need a certificate of eligibility from the VA prior to applying and have lending limits based on specific areas (zip codes). These loans have a fixed interest rate and consistent payment amounts (principal and interest) over the life of the loan.

 

Mortgage FAQs

*Rates are updated frequently and are subject to change without notice. Your actual rate is based on your credit quality, down payment, loan term, and amount financed. Rate lock cutoff time is 4:00 PM EST. Any lock requests received after 4:00 PM EST will be subject to tomorrow’s posted rates. Interest rates above are based on a $200,000 purchase and a $160,000 no cash out refi of a single-family home as a primary residence, 45-day rate lock, credit score of 740, and a loan-to-value of 80% or less. Discount points may apply. Terms and conditions subject to change at any time without prior notice.

Go to main navigation