As a responsible community partner, we want to help prevent the spread of COVID-19.

  • Therefore, we have decided to transition our branch lobby services to drive-thru only beginning Monday, March 23.
    Drive-thru hours of operation will be Mon. - Thur. 9 am - 5 pm | Fri. 9 am - 6 pm  | Sat. 9 am - 5 pm
  • Branches with no drive-thru (Mandarin, UNF and Riverside) will be completely closed with no services available for the time being.
  • The Yulee branch lobby will remain open on a limited basis. To ensure sufficient social distancing we will limit the number of members to five (5) in the Yulee branch at once. We will reopen our branch lobbies as soon as the situation allows.
  • Due to high call volume, you may experience longer than normal wait times when contacting our member experience center.  We apologize for any inconvenience.  
  1. Loan Options
  2. Mortgage Loans
  3. First Time Homebuyer Loan

First-Time Homebuyer

Get Pre-Approved

Your home buying experience starts with us.

Buying your first home is a big step, but it doesn't have to be a scary one. That’s why we’re here to help first-time buyers like you mortgage the easy way. Even if you don’t know anything about the home buying process, we can help walk you through each step of the process so you can feel confident in making one of the most exciting and important purchases you’ll ever make. Discover what it’s like to have a team of local Mortgage Champions on your side.

Call our Mortgage Champions 24/7 hotline at 904.371.8150

First-Time Home Buyer Loan

3% down mortgage loans

No Closing Costs up to $3,000

No PMI

The Home Buying Process

Step 1 | Know your budget
Understanding how much you can put towards your new home is one of the most important steps in the home buying process. Use our easy calculators to determine just how much you can afford.

Step 2 | Find a Loan
Let us help you find the loan that fits your needs. Our experts will listen to your specific needs and help you determine your best loan options. Learn more about our special savings for First-Time Homebuyers by contacting our Mortgage Champions today.

Step 3 | Get Pre-approved
A pre-approval makes you a more powerful buyer. By getting pre-approved you’ll know exactly how much you can afford and can shop with confidence knowing you have it under control. Most sellers won’t even work with buyers unless they are pre-approved.

 

Step 4 | Find a Home
It’s important to take your time when finding a home. There’s a lot to consider when determining what will best fit your needs. Check out The ABC’s of Finding Your Home to help you identify the home you want.

Step 5 | Your Offer
Once you find your dream home, it’s important to determine your offer. Follow these key tips and become a more confident homebuyer.

Step 6 | Complete the Mortgage Application Process
Once your offer is accepted, we can help you close your loan in record speed. Contact us today and get ready to finally move into the home you’ve been waiting for! Get started.

Helpful Resources:

We know buying your first home can feel overwhelming. That’s why our Mortgage Champions are here to help you anytime, day or night.

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 for first time home buyers for the purchase of a primary residence only. Community First will pay the actual closing costs associated with this new mortgage up to $3,000, excluding origination fee, discount points, prepaid interest, and funds needed to establish the member’s escrow account. Minimum down payment is 3%. Maximum loan amount is $200,000. Some exclusions and restrictions apply. All mortgage loans subject to credit approval.