The credit union will be closed on Monday, May 27, 2019 in observance of Memorial Day. This includes our downtown headquarters and all of our branches. For your convenience, Online and Mobile Banking services are available 24/7!

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 and refinancing experiences you’ve ever had. Discover the Community First difference with our dedicated team, special benefits, and so much more. Plus, close in 30 days or less with our Mortgage Champion 30-Day Process. Now’s your chance to mortgage the easy way, with us on your side.

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.

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


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

Enjoy these exclusive benefits with every Community First mortgage loan. Our Mortgage Champions have already helped thousands locally and now it’s your turn.

No Closing Costs*

Enjoy no closing costs on loans up to $1 million. Most lenders offer no closing costs for mortgage loans, but there is usually a catch. Some lenders will pay the closing costs, but will charge you a higher interest rate on the loan. They may also impose a prepayment penalty or reimbursement fee. At Community First, we won’t increase your rate or charge you these fees when offering this benefit.

Close in 30 days or less**

Try the Mortgage Champion 30-Day Process for yourself today and discover how to mortgage the easy way, with us on your side. See above for more details about our convenient 30-day process!

Mortgage Champions in every branch

We now have Mortgage Champions within all of our branches who can help you with all of your mortgage needs. Simply ask to speak with a Mortgage Champion!

Mortgages with as little as 3% down

We offer mortgage loans with as little as 3% down, no closing costs, and same-day pre-approvals. This is a great option for either first-time homebuyers or anyone who wants to put less down up front.

Rate Freeze***

Freeze your rate for up to 75 days! Now you have the option to freeze your rate for up to 30 days while you shop. Once you find your dream home, we’ll continue to freeze your rate for 45 days while you close. Plus, if rates go down, we’ll drop your rate! This option can save you thousands on your mortgage loan. Stay cool knowing your rate won’t go up with Rate Freeze.

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.*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. ***A $250 one-time fee paid upon signing the Rate Freeze Agreement applies. The rate is frozen for up to 30 days while you shop for a home. Upon delivery of a fully executed purchase and sale agreement to Community First Credit Union, the rate is frozen for a period of 45 days at either the existing frozen rate or the current market rate whichever is lower. The rate is locked for a period of 45 days subject to the following conditions: changes in credit history or appraised value can result in an increase to this rate.  At that time, the rate will be re-locked at a rate that conforms to those adjustments.  The time period required in processing your loan may be subject to the actions of third parties over which Community First has no control.  The rate lock period will not be extended in the event of delays which are beyond the control of Community First (listed upon signing the Rate Freeze Agreement). If the processing of the application extends beyond 45 calendar days and up to 60 calendar days the rate will automatically increase by .125% or to the current market rate whichever is higher. If the processing of the application extends beyond 60 calendar days your application may be cancelled.