A loan to get you home.
You want to feel at home in your home. But you also want to feel at home with your mortgage. That’s why we offer a fixed-rate loan with flexible loan terms, so you can find a payment that fits your budget. There are no pre-payment penalties if you pay off the loan early, and our low closing costs save you money up front so you have more to spend on furniture or paint.
Our friendly loan experts will take the time to talk to you about the type of loan you need and answer any questions you may have along the way. Plus, we’re local. So we know the local housing market and we can quickly provide you with a loan decision on your application.
We not only make the mortgage application easy, we make it easier to pay your mortgage. You can make your monthly payments online, by mail, in person at any branch, through automatic transfer or automatic payroll deduction. We’ll provide you with everything you need.
Ready to get moving?
Give our mortgage experts a call at 850.249.0509 and set up an appointment. They’ll take the time to walk you through the entire mortgage process so you know what to expect upfront.
Our Registered Mortgage Loan Originators
The Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act of 2008 is a federal law that is designed to enhance consumer protection and reduce fraud through the setting of minimum standards for the licensing and registration of state-licensed mortgage loan originators (MLO).
MLO’s are also required to submit fingerprints to the Nationwide Mortgage Licensing System (NMLS) for submission to the FBI for criminal background checks.
These processes are in place to protect you and we want to assure our members that Innovations Federal Credit Union is in full compliance with all rules and regulations governed by the SAFE Act of 2008.
Following is a full list of our current Registered Mortgage Loan Originators. For more information, please visit the Nationwide Mortgage Licensing System and Registry and type in any of the following NMLS numbers:
|Daniel K. Chaplik||770588|
|Tricia Ann Cottle||761834|
|Sylvia Diane Crider||788186|
|Maribett Arline Fernandez||797672|
|Heather Liane Fowler||1054801|
|James (Mark) Harwell, Jr.||712821|
|Carrie Sloan Infinger||791086|
|Kelly A. Littlefield||774879|
|Charles David Powell||1443099|
|Patsy Jane Stuckey||764468|
|Shannon Lynette Williams||759186|
|Innovations Federal Credit Union||640383|
Home Mortgage Disclosure Act (HMDA) Notice
The HMDA data about our residential mortgage lending are available online for review. The data show 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 website (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this website.