Loans

<sup>*This offer is available on certain first mortgages on a single-family residence or detached townhouse in the State of Florida. Maximum of 1 unit for 30 year term. No investor properties. For example, a $250,000 loan at a note rate of 4.75% for 30 years (maximum loan-to-value 80%) and assuming customary fees, and monthly principal and interest payments of $1,304.12. Mortgage rates are subject to change daily. Minimum loan amount of $30,000. Application fee of $325 (non refundable). Approved applications must close within 120 days. You may lock in your rate once a complete application is received with all supporting documents and a full appraisal has been completed. Rate can be locked for 30 days. Member's closing costs may include Points, Processing Fees, Title Insurance, Appraisal, Credit Report, Recording Fees, Flood Certification, Tax Service and other customary fees. No purchase necessary. Offer expires August 31, 2010. IKEA gift card will be provided by Tropical Financial. Tropical Financial membership not required for eligibility. One winner will be selected by random drawing on September 10, 2010. Winner need not be present to win and will be notified by telephone or mail within 7-10 business days. Must be at least 18 years old to enter. You may enter the drawing by submitting a 3"x 5" postcard with your name, address and telephone number to: Tropical Financial CU - IKEA Raffle -3050 CorporateWay -Miramar, Florida 33025. Postcards must be received by August 31st, to be eligible for the drawing. Tropical Financial CU employees are not eligible to win. Void where prohibited by law. **Tropical Financial is not affiliated with IKEA. IKEA incentive may be considered interest reportable on I.R.S. form 1099-INT and is valued at $1,000.00. 
+ Consult your tax advisor.</sup>

If your adjustable rate mortgage is scheduled to re-set, refinance with an affordable fixed-rate loan from TFCU.

• 15,20,30 -year terms available, and
• NO prepayment penalties!      

    or Make a Loan Payment HERE.

Best Fixed Rate Mortgages

Conventional Fixed Rate Mortgage

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 FHA Mortgages

There are lots of reasons to ask us about an FHA loans.  With LOW mortgage rates tending to be lower than a conventional 30 year mortgage, why not take advantage of the many benefits and protections that only come with FHA:

Easier to Qualify - Because FHA insures your mortgage, lenders are more willing to give loans with lower qualifying requirements so its easier for you to qualify.

Less than Perfect Credit - Even if you have had credit problems, such as bankruptcy, its easier for you to qualify for an FHA loan than a conventional loan.

Low Downpayment - We have a low 3.5% down payment, and that money can come from a family member, employer or charitable organization. Other loans don't allow this.

Help You Keep Your Home - The FHA has been around since 1934 and will continue to be here to protect you when the others walk away. Should you encounter hard-times after buying your home, FHA has many options to help keep you in your home and avoid foreclosure.

There is more to buying your home then the monthly house payment. Why not ask for an FHA loan that will help you buy your house and keep it too? Tell your lender you want an FHA loan for all the reasons above- FHA is a wise choice.

For more information on FHA Mortgages and all other TFCU Mortgage products, please contact us today at 305-261-8328 or 888-261-8328 outside Miami-Dade, stop by your local branches for mortgage rates in Florida: Broward and Palm Beach or, you may also check rates or apply online!