Why Baptist Home Loans?
Experience and Streamlined Process
At Baptist Health South Florida FCU, we are dedicated to helping you achieve your home financing goals. That’s why we’ve partnered with FEMBi Mortgage, also known as First Equity Mortgage Bankers, Inc., to bring you exceptional service and competitive loan options.
FEMBi Mortgage has been serving Florida homeowners for nearly three decades. Through this collaboration, we streamline the home loan process, offering our members quick approvals and personalized solutions to meet their unique needs.
Your Trusted Partner for Home Loans
Simplifying buying or refinancing your home with competitive loan programs and expert guidance.
Feel free to get in touch with us for any questions or if you need a helping hand.
Your Journey to Homeownership Starts Here
We are here to guide you every step of the way as you purchase your first home.
Step 1: Pre-Approval Process
Get pre-approved to understand how much home you can afford and show sellers you’re a serious buyer.
Step 2: Finding Your Dream Home
Work with trusted Realtors to find the perfect home that fits your needs. If you don’t have a Realtor, we can refer you to one that specializes in your area.
Step 3: Sign Your Purchase Agreement
Sign your purchase agreement, and continue with the loan process.
Step 4: Closing the Deal
We’ll walk you through the closing process, ensuring everything is clear and stress-free.
Tools & Resources:
Click here to download "Your Home Loan Toolkit"
The booklet outlines essential steps to secure the best mortgage for your needs. It clarifies closing costs for home purchases or refinancing explains how credit scores impact your interest rates and fees, and includes interactive worksheets and checklists to guide you.
Click here to use our Mortgage Calculator
Our calculator helps you estimate your homebuying power.
Why Consider Refinancing?
Discover how refinancing your mortgage can help you achieve your financial goals.
Lower Monthly Payments
Reduce your monthly payments by securing better loan terms or interest rates.
Access Equity
Tap into your home’s equity for renovations, education, or other expenses.
Debt Consolidation
Consolidate higher-interest debts into one manageable monthly payment.
Pay Off Your Loan Faster
Switch to a shorter loan term to save on interest and pay off your mortgage sooner.
Access Your Home’s Equity with Confidence
Unlock the value of your home to enhance your retirement lifestyle.
Supplement Retirement Income
Access tax-free cash to cover daily expenses, medical costs, or other financial needs without dipping into savings.
Eliminate Monthly Mortgage Payments
Free up your budget by removing the burden of monthly mortgage payments (property taxes, insurance, and maintenance still apply).
Flexible Payout Options
Choose how to receive funds—lump sum, monthly payments, line of credit, or a combination—to suit your financial goals.
Stay in your Home
Maintain ownership and live comfortably in your home while leveraging its equity for financial security.
Powered by FEMBi Mortgage
Before applying, please watch this quick video!
The HMDA data about our residential mortgage lending are available online for review. The data show the geographic distribution of loans and applications, ethnicity, race, sex, age, and income of applicants and borrowers, and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau’s Web site www.consumerfinance.gov/hmda. HMDA data for many other financial institutions are also available on this Web site.
