Routing Number: 263178070
We service mortgage loans for properties in Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington County. (NMLS 440642)
FIXED CONVENTIONAL
We offer Fixed Conventional loans from $25k to $424.1k. You could save thousands by financing with EFCU. Other than normal closing costs we do not charge any lenders fees including underwriting, processing, tax service, document preparation and administrative fees. Additionally, there is no origination fee or pre-payment penalty. Call 850.862.0111 option 3 or contact us via secure email to apply for a fixed conventional loan today.





HOME EQUITY
Home Equity loans are available from $5k to $150k for first mortgages (10 year term) or second (5, 10 or 15 year terms) mortgages on owner-occupied, single-family, primary residences.

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HOME EQUITY LOAN




HOME EQUITY LINE OF CREDIT
Home Equity Line-of-Credit is available from $5k to $150k for first or second mortgages on owner-occupied, single-family, primary residences.Once you have established your Home Equity Credit Line, you may use your Home Equity Mastercard® to make purchases, up to your credit limit.

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HOME EQUITY LINE OF CREDIT





UNIMPROVED PROPERTY
Unimproved property loans are available from $5k to $150k on residential lots and non-commercial raw land (20 acres or less).

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UNIMPROVED PROPERTY LOAN




CONSTRUCTION/PERM
We offer Construction/Perm loans from $25k to $424.1k on residential property for owner-occupied primary residence. Call 850.862.0111 option 3 or contact us via secure email to apply for a construction/perm loan today.