RT# 267078707
RT# 267078707
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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.

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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.

Learn More

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.

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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.
Learn More about Home Equity Loans
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.
Learn More about Mortgage Refinance

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.
Apply Now
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Copyright © 2025 SUN Credit Union. All Rights Reserved

Your Savings Federally Insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration. Equal Housing Opportunity. Copyright 2024 SUN Credit Union. Cookies are used on this website to improve functionality and performance and to analyze traffic to the website.

1 Annual Percentage Rate (APR) = Annual Percentage Rate. Subject to term and credit qualifications. Annual percentage rates may vary. Annual percentage rates may change during loan terms on variable rate products. Membership and/or participation fees may apply. Inquire about specific fees for a product through your credit union.

2 Annual Percentage Yield (APY) = Annual Percentage Yield. Rates may change at any time without prior notice after the account is opened. Fees may reduce earnings. APY determined at time of funding.

Membership qualifications and account opening required for all products and services. Minimum credit or risk score may be required to qualify for products and services.