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Fixed-Rate Mortgages

A home loan that you can depend on for the long haul.

That house you want to buy? With its strong foundation and solid roof, it can stand up to anything Florida's stormy weather might throw your way. Now you're looking for a mortgage that's just as dependable.

With a Power Financial Credit Union fixed-rate loan, your monthly payments stay rock-solid over the life of the loan, making it easier to stick to your monthly budget and plan your long-term finances.

  • Fixed rate means principal and interest payments won't ever go up
  • Financing available for 10, 15, 20, or 30 years
  • Borrow up to 97% of your home's appraised value*
  • Intangible tax fee waived for credit union members
  • Interest payments may be tax deductible (Consult your financial advisor)
  • Up to a 2% Lender Credit to cover eligible closing costs**

It's easier than ever to make your monthly mortgage payment

You can schedule automatic payments when you set up Direct Deposit of your paycheck, or you can arrange to have funds transferred each month from your Power Financial Credit Union savings or checking account.

You can even pay your mortgage by making a secure online payments from another financial institution's (non-Power Financial Credit Union) checking/savings account or credit/debit card.

Our Home Loan Experts are here to help

Whether it’s your first home or your forever home, we are here to guide you so you can think about all the memories you will make in your new home instead of stressing about the process.  

Call 800.548.5465 to speak with one of our Home Loan Experts and they will answer all of your questions from getting preapproved to closing on your home.

Page Disclaimers

* Applicable for first mortgage loans with maximum loan amount of $647,200. Member must provide 3% down payment plus costing costs for purchase or 5% equity in home for refinance. Private Mortgage Insurance (PMI) required for all loans when financing over 80%. Payment example: For a Fixed Rate Mortgage Loan of $350,000 at 30 years at 5.750%, you would make 360 payments of $2,042.50. Payment amount does not include taxes, insurance or PMI. Actual payment amount will be greater. Other conditions and qualifications apply. See credit union for full details.

*​*Power Financial Credit Union will pay for all eligible closing costs, excluding rate buy downs/points and prepaid items, up to a maximum of 2% of the loan amount. This is a limited-time promotion. All purchase and refinance fixed rate mortgages secured by a primary residence are eligible. Investment properties or second homes do not qualify. Subject to a three year recapture fee. If the loan is paid off earlier than 36 months (3 years), the lender credit will be added to the payoff.

Power Financial Credit Union serves members across South Florida with 8 full-service branches and offers convenient account access from anywhere using its secure Online Banking and highly-rated Mobile App.