Home Loans

Receive up to $5,000 in closing cost credits when working with a preferred realtor.

Whether you’re buying your first home, upgrading, or refinancing, SUN Credit Union and FEMBi Mortgage are here to help.

Why Choose SUN Credit Union and FEMBi Mortgage?

We understand that no two homeowners are the same. That’s why we offer a variety of mortgage options tailored to your unique needs.

Home Loan Features

Conventional, FHA, and VA Loans

Find the right mortgage for your home-buying journey.

Rate and Term or Cash-Out Refinancing

Optimize your finances by lowering your rate or accessing your home’s equity.

Fixed and Adjustable Rates

Choose the payment structure that works best for you.

Flexible Terms

Loan terms designed to fit your budget.

Low Closing Costs

Save more with our affordable closing fees.

Mortgage Insurance Discount

Lower your costs even further.

Benefits of Partnering with SUN Credit Union and FEMBi Mortgage

  1. Receive up to $5,000 in closing cost credits when working with a preferred realtor.
  2. Access exclusive mortgage programs, including:
    • FEMBi’s Professionals Loan- 100% financing up to $1MM for Doctors, CPAs, Lawyers, and more. We don’t count deferred student loan debt for qualifying. No borrower-paid mortgage insurance. Only one borrower must be the professional position requirement. 
    • FEMBi’s Cash Offer Program- FEMBi’s Cash Offer Program empowers buyers to confidently submit cash offers, helping them win bidding wars and secure their dream home.
    • Down payment assistance for First-Time Homebuyers
  3. Partner with trusted local experts serving Florida and Puerto Rico since 1997.
  4. Attend homebuyer education sessions hosted by Zoila Garcia, designed to empower SUN Credit Union members with the knowledge to navigate the homebuying process confidently.

Competitive Rates

Highly Competitive Rates: Enjoy low mortgage rates with exclusive offers for members.

Local Home Loan Experts

Expert Guidance: Work with local professionals from application to closing and beyond.

Home Loan Options

Options for Everyone: We lend on primary, secondary, and investment properties. Special mortgage options are available for qualified professionals.

Meet Your FEMBi Mortgage Banker

Zoila Headshot

Zoila Garcia

Mortgage Banker

NMLS: 2233293
License: LO111403
T. 305.666.3333 x2218
F. 305.666.3181
C. 305.609.5706
zoila.garcia@fembi.com
Onsite at our Hollywood branch on Tuesdays.

Additional Home Loan Options

Home Equity Loans
Use your home’s equity to fund improvements. Whether you want to make home improvements, consolidate debt, or finance unexpected costs, you may be able to secure a low-rate home equity loan.
Mortgage Refinance
What do you want out of your mortgage refinance? Whether you’re looking to shorten your loan term, refinance to a lower rate, reduce your monthly payment, or use your home’s equity for a cash-out refinance, our experts will help you make the right call.

Ready to Get Started?

Apply online today or contact our mortgage experts to learn more about our flexible home loan solutions. With SUN Credit Union and FEMBi Mortgage, your dream home is within reach.