The UNF Student Union branch will be closed March 19th - March 25th for Spring Break.

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 Loan Officers have already helped thousands in Jacksonville and Northeast Florida find the right loan for them. Visit our Mortgage Resource Center or contact us to get started today.

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Or call 904.354.8537, option 4

No Closing Costs Mortgage*

We pay up to $5,000 in closing costs on purchases and refinances. So whether you want to finally get the new home of your dreams, or lower your existing mortgage payments, we’ll help make the process more affordable than ever. Ask us about this option when applying.

3% Down Mortgages

With our low down payment mortgage option, you can buy the home you want with less money down. Put as little as 3% down, pay no closing costs and have more cash to put towards things like home improvements. 

Jumbo Mortgages

We think you should be able to dream bigger and get the home you really want without breaking the bank. That’s why we now finance mortgages up to $1 million with no closing costs* and a 30 day closing guaranteed.

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.

Adjustable-Rate Mortgage (ARMs)***

Our ARMs feature rates that periodically adjust depending on the term you choose.  These mortgages are typically a good option if you don’t plan to stay in your home long.

Fixed 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.

First-Time Homebuyer Loan

Buying a home can be a bit overwhelming for anyone – especially for first-time buyers. Our mortgage professionals are here every step of the way to guide you through the process.

Buying a Home

Is it time to move into another home? Maybe you’ve outgrown the one you’re living in now. Perhaps you’ve been living in an apartment and are ready for the next step. Whatever situation you are in, we’re here to help. We’ve broken down the process to help you better understand the whole mortgage process.

Refinancing Your Home

Why refinance? It may make sense if you can lower your interest rate or the value of your home has increased. Refinancing can be a helpful tool for home improvement, debt consolidation or simply lowering your monthly payment. Refinancing is simple, and we’re ready to help you get started.

Home Loan Guide

Thinking about buying, selling or refinancing a home? Start here for answers to common questions, helpful tips and online calculators to help you navigate the journey ahead.

Helpful Resources:

An initial deposit of $5 to be held in your Community First Share account is required for membership. Membership is open to anyone who lives or works in Baker, Clay, Duval, Flagler, Nassau, Putnam or St. Johns counties. *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 and funds needed to establish the member's escrow account. Minimum loan amount $100,000. This special offer is available on all conventional first mortgage programs. 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 $453,100. 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. Maximum amount for conventional loan $453,100. 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.