Skip to main content

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. Now’s your chance to mortgage the easy way, with us on your side.

Apply now for a home loan | Schedule an Appointment

Call our 24/7 Mortgage Hotline at 904.371.8150

The Mortgage Champion Easy 5-Step Process

Step 1 | Apply for the Loan

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 & Select the Product Right for You

Once your application is submitted, we’ll send you a personalized website with your Mortgage Champion’s information who will provide you with steps to select the right product for you. The interest rate will then 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 3 | Processing your loan

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 4 | Final Loan Approval

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 5 | Closing

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.

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

No Origination Fee

Many mortgage lenders will charge you an origination fee. To make your experience even better, we've waived this fee for all of our available mortgage loans.  

No Application Fee

Unlike other banks, we will not charge you a fee to complete a mortgage application.   

No Credit Report Fee

To save you even more money, we've also eliminated the credit report fee! It's time to mortgage the easy way with Community First.  

Quick closings

Most Community First mortgage loans close in as little as 30 days, saving you time and money.  

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 5% down

We offer mortgage loans with as little as 5% down 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.  

Mortgage Champion 24/7 Hotline

Call our Mortgage Champions at 904.371.8150 day or night with our convenient 24/7 Hotline!   

Mortgage Refinancing

We can help you refinance your home and potentially lower your monthly payments, reduce your interest rate, or take out cash for whatever you need! 


Federally insured by NCUA. Equal Housing Lender. 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, Miller Electric Company, and *Credit, income, and other restrictions may apply. All mortgage loans subject to credit approval. This offer may end at any time.

Rev. 4.22