The University of North Florida (UNF) branch will be closed during the university's Spring Break, which is from March 18 – 22, 2019. Please see our Branch Locator for info about how you can visit one of our other 18 branches during this time.

Mortgage Champions

Get off the sidelines and mortgage the easy way.

As your Mortgage Champions, we’re dedicated to giving you one of the best home buying or refinancing experiences you’ve ever had. Now’s your chance to get off the sidelines and mortgage the easy way. If you haven’t heard by now, we’ve made exciting new upgrades to our mortgage process. Try the Mortgage Champion 30-Day Process for yourself today.

Apply Now

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

The Mortgage Champion 30 Day-Process

Step 1 | Apply for the Loan

(Takes 20 minutes or less.)

Provide general information about you and the property you’re financing. Send us your income, assets, liabilities, and declarations. We’ll run a credit report to confirm liabilities and fill in that section of the application.

Step 2 | Connect with a Mortgage Champion

(We’ll call you within 24 business hours)

Once your application is submitted, we provide you with login information to track the status of your application. We’ll send you a personalized website with your Mortgage Champion’s information, and we’ll provide you with next steps.

Step 3 | Select a product and interest rate

(Takes 3 days or less)

After you have selected a product, the interest rate will be determined and locked in. Application disclosures will be generated for your review. Log in to your application and provide consent to receive these disclosures electronically. Once we receive the signed disclosures, your file will be ready for processing.

Step 4 | Processing your loan

(Takes 15 business days or less)

We’ll verify the information you provided us on your loan application. Once your information is verified and the property value is approved, your loan is ready for a final review.

Step 5 | Final Loan Approval

(In 3 days or less)

We’ll perform one last review of your loan for approval. Once reviewed, additional requirements or documentation may be needed. After all underwriting conditions have been met, we’ll give you a final approval, and prepare your loan for closing.

Step 6 | Closing

(In 7 days or less)

We’ll prepare the loan documents for you to sign and send them to an escrow company for signing. Once we have the signed documents, we’ll transfer the money to the escrow company and they’ll disburse the loan and record the documents.

It’s the best home buying or refinancing experience you’ll ever have.

Our Mortgage Champions have already helped thousands locally and now it’s your turn.

No Closing Cost Mortgage*


We pay up to $5,000 in closing costs on most purchases and refinances. Whether you want to finally get the new home of your dreams, or lower your existing mortgage payments you have elsewhere, we’ll help make the process more affordable than ever. When we say no closing costs, we mean it too. Unlike other banks, we won’t hike up your rate for not paying closing costs.  

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.  

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 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.  

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 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.



Learn more about our easy, 6 step mortgage process and print out our mortgage application checklist.

Helpful Resources:

Federally insured by NCUA. Membership is open to anyone who lives or works in Baker, Clay, Duval, Flagler, Nassau, Putnam, or St. Johns counties. All offers may end at any time without notice. *Credit, income, and other restrictions may apply. Community First’s No Closing Costs Mortgage Offer is available on primary residences only. 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 for Jumbo Mortgages is $453,200. 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. **30 day closing guaranteed assuming borrower meets deadlines in gathering and providing necessary documents for closing. Some restrictions apply.