MIDFLORIDA Community Credit Union is offering a special 10-year Free and Clear fixed-rate mortgage. The interest rate and total monthly payment will stay the same for the entire term of the loan. Rates are now as low as 2.49% for loan amounts up to $417,000. Additionally, members will receive a free appraisal up to $400. Click here for more information.

Landmark Credit Union is offering a low rate of 2.9% for their 10-year Mortgage Refi Express loan. The Mortgage Refi Express loan features a low fixed rate, only $115 in closing costs, a guarantee to close within 10 business days, and no prepayment penalty. Mortgage balances must be below $150,000 and have a loan-to-value ratio of 70% or less. Click here for more information.

From 12.10.2012 through 12.31.1202, Third Federal Savings & Loan will donate $100 to the United Service Organizations (USO) for every customer that originates a mortgage. Third Federal guarantees a total minimum donation of at least $100,000. Click here for more information.

United Nations Federal Credit Union is offering a 0.25% discount on all adjustable rate mortgages for applications received by 12.31.2012. Members who apply for an adjustable rate mortgage will also be entered to win a $500 Home Depot gift card. Click here for more information.

Teachers Federal Credit Union is featuring low adjustable rate mortgages with initial rates fixed for 5, 7, or 10 years. The featured rates are 1.875% for a 5/1 ARM, 2.125% for a 7/1 ARM, and 2.375% for a 10/1 ARM. All rates are with 0 points, no origination fee, and are effective as of 12.05.2012. Click here for more information.

Citibank customers who get a new mortgage loan and set up automatic payments through a linked Citibank checking account will receive their first month’s mortgage payment refunded up to $2,500. Click here for more information.