Save .50%* On Your New Home Loan Rate!
Mortgage | Construction | Home Equity
If you’re looking to buy, build, or add on, our home loan options make it easy to make the home you love even better!
Is Now the Time To Buy?
Whether you’re a first-time buyer or seasoned pro, the mortgage experts at Radiant Credit Union are ready to help you through the buying process.
And, all Radiant mortgages provide:
- Easy online application and document processing
- 60-day rate lock
- Fast approvals
Interested in a Home Equity Line of Credit?
- Low fixed rates
- Quick approvals
- May be tax-deductible – consult your tax advisor
Borrowing Options
- Spend as you like after minimum draw of $10,000
- Up to a 10-year draw period
- Up to 100% Combined Loan To Value
- Borrow up to $250,000
Not sure which product is for you?
No worries! A First Coast Loan Officer will be happy to sit down with you and take whatever time is necessary to review your choices. After learning about your needs, timeframe, and qualifications, we can help get you quickly approved for your best Home Equity Line option.
It’s Easy To Apply!
Our Loan Officers are ready – stop by any Branch, call (386) 328-5555, or Apply Online to get started.
*Offer of a 0.50% interest rate discount is available for new residential mortgage loan applications received between April 1, 2026, and April 30, 2026, and subject to credit approval. The discount is applied to the standard interest rate for which the applicant qualifies. As of February 28, 2026, the standard 30-year fixed-rate mortgage was 6.125% based on a conventional loan with 80% loan-to-value. For illustrative purposes only, applying the 0.50% discount would result in a rate of 5.625%. For example, a $300,000 home purchase with a 20% down payment results in a loan amount of $240,000 and an estimated monthly principal and interest payment of $1,381.58. The Annual Percentage Rate (APR) for this example is 5.74% and is based on assumed fees; actual APR, rate, and payment may vary. Payment example excludes taxes and insurance; actual payment will be higher. Rates, terms, and conditions are subject to change without notice. Your actual rate and APR will depend on creditworthiness, loan program, term, property type, occupancy, and loan-to-value. Membership eligibility required. Radiant Credit Union/First Coast Community Credit Union are federally insured by the NCUA. Equal Housing Lender. NMLS ID 408361.
The fixed annual percentage rate under this plan is not based on an index. It is based upon a fixed rate and the market conditions at the time of commitment. Owner occupied property only. Property and flood insurance may be required. Credit approval, satisfactory appraisal and other conditions apply. Credit Union will pay all closing fees generally ranging from $0.00 to $1,350 except for the member paid appraisal and if HELOC is closed within 24 months of the open date. Home Equity Lines of Credit are available up to $250,000.