Routing Number: 263178070

Current Inventory1

Single Family Residential

1569 W Highway 90, Baker, FL 32531
 If you are interested in purchasing the property listed below, please contact Mary Ann Cates (Realtor, RE/MAX Agency One) by phone at 850.974.2267 or via email at
Square Feet
Lot Size
12.84 acres
Purchasing a home
EFCU strives to close all of our loans within 30 days.
Getting pre-qualified is a great idea. Knowing how much you are able to spend will help your real estate agent find you the perfect home.
You can be pre-qualified over the phone within minutes.
EFCU offers loans with down payments as low as 5%.
Not at this time. Eglin Federal Credit Union will only do mortgages on primary residences.
You will need enough homeowner's insurance to cover all mortgage loans held against your property.
Some of our mortgage products are sold, but EFCU retains the servicing of your loan. As a result, you will not see any difference in our service to you.
Unimproved Property (Land) Loans
Once you submit your mortgage loan application for review, EFCU will contact you within 24-48 hours, unless it is a weekend application.
It normally takes 30-45 days to close on an unimproved property loan. Eglin Federal Credit Union will do everything we can to close the loan as soon as possible.
EFCU has a limit on the amount of acreage that can be financed. That limit is 20 acres.
There are some cases where we can use 100% of the tax assessment. Please call our office to see if this could be an option for your current situation.
A survey is always required on our land loans. We will use an existing survey on the property if you have one. If you do not have one, a new survey will be ordered by EFCU during the loan process.
Flood insurance is not required by EFCU on a land loan. However, additional insurance coverage could be required by your lender when you choose to build on the property.