Home Mortgage & Refinance Whether it's your first home or dream home, we've got your back

Primary & Secondary Residence Mortgages

Home is closer than you think. We offer a variety of mortgage options so that you can select the right financing option for your permanent residence or vacation home. Start your home-owning journey with 121 Financial, where you can expect competitive rates, in-house underwriting and lower closing costs.

  • Fixed Rate Loans

    Maintain the original interest rate throughout the entire life of your loan.

  • Adjustable Rate Loans

    Pay a lower monthly payment for a fixed number of years to allow for more flexibility.

  • Jumbo Loans

    We offer special pricing when your dream home exceeds the conventional loan limit.

  • Unique Loans

    Ask us about our first-time homebuyer and other programs.

Want to talk with a 121FCU Mortgage Specialist? Fill out the form below!

Not every move is into a forever home But in Jacksonville, even the small moves have a huge impact.

Instant Rate Quote Calculator

If you are looking for a shorter-term mortgage, ask us about our Home Run program that pays up to $5000.00 in closing costs.
**FHA, VA, and USDA rates are available through our mortgage partner, TruHome Solutions. For more information, contact us at 833-832-0145

Mortgage Payment Calculator

Refinance Your Home Mortgage

Pay off your home mortgage before you retire. Whether you want to build home equity faster or just save money, 121 Financial can work with you to help lower your interest rate and monthly payments with our refinancing options.

Why Should You Refinance?

  • Pay off your home mortgage sooner by months— or even years!
  • Pay a lower-interest rate on your home mortgage and reduce your monthly payments.
  • You can reallocate your funds costly debt, including student loans, credit card balances and auto loans.

When Should You Refinance?

  • When your interest rates are lower today than when you started your home mortgage.
  • When your home has dramatically appreciated in market value.

How Can I Prepare to Refinance?

1. Familiarize yourself with your credit history

2. Collect your personal financial information

3. Talk with 121 Financial to discover your options!

Still Seaching for a Home? Save BIG with HomeAdvantage!

By using a credit union-approved realtor to help you find and buy a home in the Jacksonville area, you can get up to thousands of dollars back at closing. Choose from dozens of certified local realty experts to help you navigate the home-buying process and save money doing it.

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