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Why Use the Credit Union?


Credit Union's have had a significant positive impact on the lending industry. Today, the use of credit unions is one of the key strategies used by sophisticated borrowers.

What is the difference your credit union offers?

First, your credit union has a dedicated and professional staff ready to serve your mortgage needs. They specialize in the origination of residential mortgage loans. Credit Unions serve members, like you! We are not in it for profit like a bank; we want to serve you and your family for years to come.

How does the Credit Union save me money on a mortgage?

Great Question, too bad many don't take the time to compare estimates and see a big difference. First, the Credit Union is non-profit, so we charge only the actual cost of services to bring you the most competitive closing cost. Second, credit unions are exempt from the Florida State Intangible tax to collect on our loans so you will save that additional expensive as well. Banks have to charge you this tax. As state already, we are not for profit so we save you money in other areas as well. Shop and compare your credit union with banks estimate on your next loan. We save you money!

We Handle the Details!

There are thousands of variables that can affect the outcome of your mortgage transaction. That's why you need a dedicated mortgage team to act as a liaison between the title and escrow company, real estate agent, appraiser, credit agency, and any other services which may affect your transaction.

Our Loan Originators also:

  • Discusses and explains financing program options
  • Informs you, in writing, of lock-in options
  • Explains all documents of the loan application
  • Explains all associated costs of the loan application
  • Explains the disbursement of all loan applications
  • Explains the loan process, from application to closing
  • Provides you with a good faith estimate/Loan Estimate of cost and fees
  • Communicates with you throughout the loan process promptly
  • Coordinates the final closing of your transaction
Tampa Bay Federal Credit Union-NMLS#441290 NMLS #441290
3815 N Nebraska Ave, Tampa, FL  33603
Office:  (813) 247-4414 Ext. 7601
Toll Free:  (800) 380-8880 Ext. 7601
Fax:  (813) 280-9398
Copyright © 2019 Tampa Bay Federal Credit Union
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