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Refinancing Your Home

Why refinance?

Refinancing your home may make sense if you can lower your interest rate or if the value of your home has increased. Refinancing can be a helpful tool for home improvements, debt consolidation or simply lowering your monthly payment. Our Mortgage Champions can help you every step of the way!

Reach out to our Home Mortgage Advisors
Mon. - Fri. | 8 a.m. - 6 p.m. 904.371.8150

Lower your monthly payment

Quick closings

No Origination Fee

Remove mortgage insurance

Reasons to Refinance

Lower your payment

Lower your payment

Change from one adjustable rate loan to another to lower your monthly payment, and remove Mortgage Insurance Premiums (MIP)

Build equity or take out cash

Build equity or take out cash

Build equity faster by shortening the term of your loan, or take out cash from your home’s equity.

Switch to a fixed rate

Switch to a fixed rate

Switch from an adjustable rate loan to a fixed rate mortgage

Reduce your interest rate

Reduce your interest rate

You may be able to reduce your interest rate and your monthly payment by refinancing.

Apply Now to refinance your home

To apply for your easy online loan, all you have to do is answer a few simple questions about yourself, your property and your income, debts and assets

The Mortgage Process

Whether you've refinanced before or not, we are sure your experience this time around will be easier, faster and altogether clearer. We've summarized our new process into simple steps. Follow these and you'll be closing your loan in no time!

Mortgage Specialist

Not sure which loan is right for you? Our Mortgage Specialist walks you through all the important steps of determining which mortgage best fits your needs.

Refinance Calculators

Fixed rate loan or variable? For how many years should we finance? Our wide range of calculators can help you answer these and many other questions before you start your application.

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  All offers may end at any time without notice. *Credit, income, and other restrictions may apply.All mortgage loans subject to credit approval. Offer may end at any time without notice.