IMPORTANT COVID-19 INFORMATION

We are currently experiencing high call volume with longer than usual wait times. Account information can be accessed online. We are here for you during COVID-19 with updates on how We Florida Financial is supporting our Members and what we are doing to stay focused on serving your financial needs while helping to contain the spread of the virus within our communities. Learn more...

Adjustable Rate Mortgage Promotion

Enjoy the features of the new 10/1 ARM from We Florida Financial.
An adjustable rate mortgage is a great option if you prefer to keep payments low for the short-term or if you plan on paying off your mortgage within the next ten years. A 10/1 Adjustable Rate Mortgage (ARM) loan can be thought of as a hybrid mortgage that combines some of the features of an ARM loan and a fixed rate loan. 

With the 10/1 ARM, you will:

  • Keep your monthly payments low
  • Get a discounted origination fee of $495
  • Not pay intangible taxes (because we're a credit union)

You also have the option of refinancing your existing mortgage and lowering your payments!

Ready to apply? 

Apply Now

Or call us at 954-745-2400 or 800-230-0200 and select option 4.


Borrower is responsible for all closing costs. This is not a commitment to lend. You must be at least 18 years of age. Other restrictions may apply. Other programs, rates and terms are available if you apply and qualify. We Florida Financial NMLS ID: 705683

Available for purchases and refinances. The LTV and CLTV limits may vary depending on the property type, loan program and occupancy. 10/1 ARM means that the rate is adjustable and may change. The rate is fixed for the first 10 years; in the 11th year the loan becomes a one-year Adjustable Rate Mortgage and the payment and rate may increase each year thereafter. Rate can increase by no more than 5% after the initial 10 years period and 2 % at each subsequent annual rate adjustment with a lifetime adjustment of 5%. The adjustable rate is tied to the One Year Libor and is added to a pre-determined margin of 2.25% to arrive at the new rate each year thereafter. Regardless of the margin, the floor rate for the loan term will never be less than the initial start rate. There is a minimum loan amount of $50,000 and a maximum of $750,000. We Florida Financial requires an appraisal to be completed by an appraiser from its approved list. Property, windstorm and/or flood insurance is required. Must meet credit criteria. At closing borrower must establish an escrow account for property taxes and insurance. You must provide proof of current income and two years of prior income. On all refinances the funds are available after a 3-business day rescission period following the loan closing. We Florida Financial must receive a valid first lien position on an owner-occupied detached single family home, townhome or condo. (Condo is limited to 80% LTV a maximum loan amount of $453,100). Property must be located in the state of Florida. Offer extended through 3/31/19 and is subject to change without notice.

Membership in We Florida Financial is open to individuals who live or work in select counties from Key West to Jacksonville. Minimum balance required to open a savings account is $5. Members must maintain a savings account with a minimum of $5 for the duration of their membership. For more information regarding membership eligibility, please visit our website or call us at (954) 745-2400 or (800) 230-0200 outside of Broward County.