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.  

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

Call our Mortgage Champions 24/7 hotline at 904.371.8150

The Mortgage Champion Easy 6-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

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

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

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

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

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 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.

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.

Mortgage Champion 24/7 Hotline

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

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 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, appraisal fees, prepaid interest, private mortgage insurance, and funds needed to establish the member’s escrow account. Minimum loan amount for Jumbo Mortgages is $510,400. 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.