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Tampa Bay Federal Credit Union
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Home Loans

Your home is possibly the most important investment of your life, and we want to make sure you make the right decisions every step of the way. 

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Rates

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Mortgages

Whether you're a first time buyer, ready to upgrade or access the equity in your home, our mortgage options are designed to fit your life and budget. With competitive rates, flexible terms, and personal guidance every step of the way, we make the home loan process simple and stress-free.

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Apply now for the home loan product of your choice:

Purchase      Refinance    Home Equity

 

If you currently have an application, please login to your account:

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Questions or would like to speak to a representative?: 

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Which Home Loan Is Best For You?

Your dream is closer than you think. With Tampa Bay Federal as a partner, financing a home loan feels like a dream. 

Buying a home

Purchase

Buying a home is a major milestone—and we’re here to make it smooth and affordable. Get competitive rates, flexible terms, and local guidance every step of the way.

Refinance

Refinance

Lower your rate, reduce your monthly payment, or pay off your mortgage sooner. Refinancing with Tampa Bay Federal is fast, easy, and could save you money long term.

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First-Time Home Buyer

New to homeownership? We’ll guide you through the process and help you access programs to make your first home more affordable.

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FHA & VA

FHA and VA loans offer flexible financing options with low or no down payment—perfect for first-time buyers, veterans, and those who may need more accessible credit terms. 

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 Manufactured Homes

Manufactured homes offer an affordable path to homeownership. We offer flexible and stress-free financing options tailored to your budget.

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Land Loans

Whether you are building a new home or purchasing a manufactured home and just need the land for it, we offer competitive land loan options designed to fit your unique needs.

 

 

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Would like to speak to a representative?: 

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View Our Current Mortgage Rates:

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Your First Home Starts Here.

Buying your first home is a big step—and we’re here to make it easier. Tampa Bay Federal partners with Down Payment Assistance programs to help you get into a home with less money out of pocket. When combined with our competitive mortgage options, personalized guidance, and local support, you’ll be set up for success from the start.

  • As little as 3% down payment
  • No private mortage insurance required
  • 30 year fixed rate
  • Gift funds can be used

Application Login

Start your application to get Prequalified now, or use the form below to contact someone from our lending team to learn more. 

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Rate Reduction Program 

Are you currently locked into a high interest rate? We can help you save through our Rate Reduction Program. When mortgage rates drop, you may be eligible to lower the rate on your existing Tampa Bay Federal first mortgage without the need for a full refinance. Our program¹ allows eligible members the flexibility to request a reduced rate with a simplified process and minimal paperwork.

  • Reduce your rate to current market rates.
  • No application required.
  • No income documentation or credit pull.
  • No appraisal or closing costs.
  • Simple process with minimal paperwork.
  • Available once per year and up to two times over the life of the loan.
 

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Home Equity

Turn the value in your home into the cash you need—whether it’s for renovations, debt consolidation, or big life moments. With a Home Equity Loan or HELOC from Tampa Bay Federal, you’ll get competitive rates, flexible terms, and personalized support every step of the way.

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What is the best way to use your home's Equity?

You have options with Tampa Bay Federal to access the equity in your home.

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Home Equity Loan

This loan allows you to borrow based on the value of your home, minus the amount you still owe on your mortgage. 

  • Borrow up to 133% of your home's value
  • Low, fixed rates.
  • 5-20 year repayment plans 
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Home Equity Line

of Credit 

Although you qualify for a set amount you’ll only repay on the amount used. 

  • Low, variable interest rates.
  • High credit-limit potential.
  • Flexible repayment plans.

 

 

 

Apply Now

Questions or would like to speak to a representative?:

Contact Us

 

View Our Current Mortgage Rates

View Rates

 

Contact Our Team

Our experts know how to structure your the best deal on your credit union mortgage! Please contact us to find out more about these and other loans we offer: email: mortgageconsultants@tampabayfederal.com or call (813) 247- 4414 ext 7621.

or complete the form below for someone to contact you. 

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**This form is not encrypted. Please do not include any sensitive information such as your account number, Social Security number, passwords, or other personal details. **

For questions regarding your current mortgage please contact our Mortgage Servicing Department at mortgageservicing@tampabayfederal.com or 813-247-4414 ext 7601.

 

Meet our Mortgage Experts

Our mortgage team is here to make homebuying simple, personal, and stress-free. Whether you’re purchasing your first home, refinancing, or exploring options, our experienced loan originators are ready to guide you every step of the way. Connect with a local expert who understands your goals—and your community.

Eduardo Headshot Teresa Perry

Eduardo Lorduy

Mortgage Loan Consultant

NMLS # 1939799

Teresa Perry

Sr. Mortgage Loan Consultant

NMLS#476610

(813) 247-9304

ELorduy@tampabayfederal.com

Hablo Español

(813) 247- 4414 x 6106

TPerry@tampabayfederal.com

 

 

1Mortgage Rate Reduction Program available on eligible Tampa Bay Federal mortgage loans only. Members may request a rate reduction once per calendar year and up to two times over the life of the loan. Program terms, eligibility requirements, and market rate availability are subject to change without notice. Additional restrictions may apply.

 

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