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Whether you’re looking to buy, refinance, or use the equity in your home to do more of what you want, we’ve got you covered. Our local Mortgage Champions have already helped thousands find the right loan for them. As your new Mortgage Champions, we’re committed to giving you the best home buying and refinancing experiences you’ve ever had. Visit our Mortgage Champions page to discover the Community First difference.

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Call our Mortgage Champions 24/7 hotline at 904.371.8150 or Schedule an Appointment

Mortgage Champions | Daily Rates | Special Offers

3% Down Mortgages

Buy the home you want with less money down. Put as little as 3% down, enjoy no closing costs, and have more cash to put towards more important things like furniture and appliances. Call us at 904.371.8150 or schedule an appointment for details on this mortgage option.

First-Time Homebuyer Loan

Buying a home can be a bit overwhelming for anyone – especially for first-time buyers. Our Mortgage Specialists are here every step of the way to guide you through the process. Home buying doesn’t have to be hard, contact us today and see how fast you can make your move into the home you’ve been waiting for.

Jumbo Fixed-Rate Mortgages

We think you should be able to dream bigger and get the home you really want. That’s why we now finance mortgages up to $1 million with no closing costs* and a 30 day closing guaranteed. You simply won’t find another bank as committed as we are to ensuring you have the best mortgage experience ever.

Conventional Fixed-Rate Mortgage**

With our fixed-rate mortgages, you’ll enjoy some of the lowest rates around. And your rate will never change so you will have peace of mind knowing exactly how much principal and interest you’ll be paying each month. Plus, in most cases you’ll pay no closing costs!

Adjustable-Rate Mortgage (ARMs)***

Our ARMs feature rates that periodically adjust depending on the term you choose. This is a great option for first-time home buyers or if you’re planning on moving in 10 years or less. You can get low fixed rates and then determine whether you want to lock in your rate down the road.

Fixed-Rate Home Equity Loan****

Does your house need a facelift? With our Home Equity Loans, you can finally complete those home projects you’ve been putting off. Upgrade to new appliances, renovate old bathrooms, update your kitchen, or anything else you’ve been meaning to do.

Home Equity Line of Credit (HELOC)*****

With our affordable HELOCs, you can use the equity in your home to establish a revolving line of credit that you can use for anything that comes up. The line is available to you to draw on anytime and you can continue to use it up to your available limit.

Special Condo Financing

We offer special financing on condos up to $1 million. Whether you're looking for a special vacation home or just moving into a new condo, we can help you make the move faster than ever. Call us at 904.371.8150 or schedule an appointment for details on this mortgage option.

What you get with a Community First Mortgage

  • No Closing Costs on Conventional and First-Time Homebuyer Loans*
  • Special condo financing
  • Some loans close within 30 days*
  • Branch mortgage experts
  • Among the lowest mortgage rates

Learn More

Federally insured by NCUA. Membership is open to anyone who lives, works, or attends school in one of the following counties: Baker, Brevard, Broward, Clay, Duval, Flagler, Indian River, Lake, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie, or Volusia. Membership is also open to any relative of an existing or eligible Community First Credit Union of Florida member. We also offer membership to Select Employer Groups, including all employees of Brooks Rehabilitation and Web.com. *Community First's No Closing Costs Mortgage Offer is available on purchase and refinance transactions. Community First will pay the actual closing costs associated with this new mortgage up to $5,000, excluding origination fee, discount points, prepaid interest, private mortgage insurance, non-lender fees, and funds needed to establish the member's escrow account. Some exclusions and restrictions apply. All mortgage loans subject to credit approval. This offer may end at any time. **Fixed Rate First Mortgage- Terms are 10, 15, 20 and 30 years. Maximum loan amount is $484,350. Credit and other restrictions apply. ***All Adjustable Rate Mortgage (ARM) loans have a 30 year amortization. ARM rates are subject to change during term of loan. Jumbo loans-call for details. ****Fixed Rate Second Mortgage – No Closing Cost. Terms are 10, 15 and 20 years. Minimum loan amount is $10,000. Maximum loan amount is $200,000. Credit and other restrictions apply. Title insurance may be required and is paid by borrower on home equity loans and HELOCs. Property insurance is required, and flood insurance may be required depending upon the location of the property. The amount of a home equity loan is based upon the current market value of the property, minus the amount of any current mortgages and other liens on the property. *****Home Equity Line of Credit (HELOCs) – No Closing Cost. The Annual Percentage Rate (APR) is a variable rate and is based on Wall Street Journal Prime plus an applicable margin. All home equity loans and lines of credit are secured by a lien on your home. Full appraisal, paid by applicant, may be required in certain circumstances. All rates and terms are subject to change without notice; please contact the Credit Union for current rates and terms. Credit subject to approval. Other restrictions may apply.