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Routing number 267080355

Mortgage Loans

Ready to buy your dream home?

Local Mortgage Experts in Miami-Dade County

Through our partnership with AmeriCU Mortgage, JetStream Federal offers a wide selection of options to suit any mortgage need.
Mortgage Options with JetStream Federal

Conventional Loan

A conventional home loan is by far the most popular mortgage option for those looking into purchasing or refinancing a home in Miami-Dade County. Please note that conventional loans are not issued by a government agency and conform to the loan limits set by the Federal Housing Finance Administration (FHFA).

Benefits of a conventional loan include:

  • Low Down Payment Options
  • Second Home and Income Properties
  • Private Mortgage Insurance Not Always Required

FHA Loan

FHA loans are designed for low-to-moderate income borrowers who are unable to make a large down payment. These loans are backed by the Federal Housing Administration (FHA) and are more flexible than conventional loans when it comes to credit and income requirements.

Benefits of a FHA loan include:

  • Low Down Payment
  • Seller Pays Part of Closing Costs
  • Flexible Credit and Income Requirements

VA Loan

Veterans, active military personnel, and eligible military spouses can quality for a VA loan that is backed by the Department of Veteran Affairs. If you qualify, you will enjoy no down payment or mortgage insurance requirements, as well as competitive interest rates.

Benefits of a VA loan include:

  • No Down Payment Options
  • No Monthly Mortgage Insurance
  • Competitive Interest Rates


Low-to-moderate income families that are purchasing a home in a rural area may qualify for a USDA loan, backed by the United States Department of Agriculture.

Benefits of a USDA loan include:

  • No Down Payment Options
  • Low Monthly Mortgage Insurance
  • Flexible Credit and Income Requirements

Renovation Loan

Whether you are planning a minor or major home renovation, JetStream Federal and AmeriCU Mortgage offer renovation loans that will give you the flexibility that you deserve. Members have the ability to refinance their entire home remodel while combining renovation costs with mortgage financing. Plus, the credit requirements are flexible.

Benefits of a Renovation loan include:

  • Combine Renovation Costs into Mortgage Financing
  • Flexible Credit Guidelines
  • Ability to Finance Whole-Home Remodel

Jumbo Mortgage

A jumbo mortgage is designed for members who are purchasing a luxury home or a property that’s in a highly-competitive real estate market. This type of home loan exceeds the limits set by the Federal Housing Finance Agency (FHFA).

Benefits of a jumbo mortgage include:

  • Loan Amounts up to $2 Million
  • Low Interest Rates for Qualified Buyers

Why choose JetStream over any other bank?

Extensive options

We'll find the mortgage program to meet your needs.

Competitive Rates

Get the some of the best rates in the Miami-Dade County area!

Low fees

What can we say about origination and admin fees?

Save on insurance

Get the right coverage at a great rate with guidance from our insurance experts.

Up to $10K closing help

First-time home buyers and certain community workers are eligible for special grants.1

Personal help

Our local mortgage experts provide friendly, knowledgeable service every step of the way.
  • My First Home

    If you this is your first home purchase, congratulations! There are a number of mortgage programs available to help you with low or no down payment, and closing cost assistance, including an FHA Loan or VA Loan.

  • Military Service

    Thank you for your service. We are honored to help you in your next home purchase. Allow our mortgage experts activate your VA Loan options or possibly even find a better loan program to suit your needs. We're here to work for your best interests.

  • Fixer-Upper

    Whether you're looking to refinance and renovate your current home, or you're investing in a fixer-upper purchase, our Renovation Loan is a great way finance a partial or whole-home remodel through a mortgage.

  • Country Living

    If you're purchasing a home in a rural area, but need flexible credit and income requirements, a USDA Loan may be just the right fit. Speak to our local mortgage experts to determine the best mortgage solution to suit your needs.

Refinance today & save!

There are many reasons you choose to refinance your home:

  • Lower Your Rate to Reduce Cost Over Life of the Loan
  • Lower Your Monthly Payment 
  • Shorten Your Loan Term
  • Pull Out Cash to Pay for Repairs, Renovations or Expenses

With specialized programs such as VA IRRRL and FHA Streamline, refinancing your home has never been easier with JetStream Federal and AmeriCU Mortgage by your side.

Apply Online or Visit a Branch Location

JetStream Federal Credit Union and AmeriCU Mortgage can help you find a mortgage program that fulfills your financial needs. Whether you are buying or refinancing, our Miami-Dade County local mortgage experts have got you covered.

Or contact our local mortgage experts today at:
(800)-979-9997 ext. 1221

1 Grants offered on a first-come, first-served basis and based on availability of grants funds. First-time home buyers eligible up to $7,500 per household. Community Partner Grant up to $10,000 avaiable for law enforcement, educators, health care workers, firefighters, essential worker, first responders and veterans.

Miami Lakes

Phone: (305) 821-7060
Fax:     (305) 819-8072


Phone: (305) 821-7060
Fax:     (305) 418-4922

Mercy Hospital

Phone: (305) 821-7060
Fax:     (877) 233-6283

Puerto Rico

(305) 821-7060 ext. 8799
(800) 426-3556
(877) 213-2954 Fax

Shared Branch Locations

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