Please complete the form below with as much information as possible. Request Form available in the system, under LOAN FORMS.Use our free Miami-Dade County, Florida mortgage calculator to quickly estimate your closing expenses on your home mortgage. Includes taxes, insurance, PMI. Can't find something in the Library's collection? What can I apply for? In short, mortgage discount points are upfront payments that a borrower may choose to make at closing in exchange for a reduced interest rate. Now is the time to make it pay off with a VyStar Home Equity Loan with NO origination fee! Get paid up to two days sooner with direct deposit. I recently paid off my car loan.