Fraud Alert: Caller ID / Phone Spoofing Scam: Several members have reported receiving phone calls from what appears to be Community First (on Caller ID). This is fraud. As a reminder, Community First will never make an outbound call to ask you for your personal information. If you receive any phone calls and the caller claims to be from Community First and asks you for your personal information, please hang up, call us at 904-354-8537, and report this as fraud. Thank you.

Go Big with Mortgage Loans Up to $1 Million and No Closing Costs


Complete the form below to get your special pricing:


Don’t miss your chance to get the home of your dreams.

We want to help you go big and go home.  As a local mortgage lender, we’re able to offer unique benefits you won’t find at other banks.  For instance, with our mortgages you don’t have to pay intangible tax, we cover your closing costs and we even guarantee to close your loan within 30 days. Plus the same local mortgage specialist will be fully accessible to you and work with you from application to closing. It’s the best mortgage experience you’ll ever have.

  • No closing costs up to $5,000*
  • 30 day closing guaranteed (among fastest closing times around)**
  • We’ll pay your appraisal and processing cost***
  • Among the lowest rates around
  • No intangible tax
  • Access to a team of local mortgage specialists

Why get a mortgage from Community First?

As a locally operated credit union, we're able to provide unique savings and quick closing times that other banks simply can't match. Our mortgage specialists are focused on helping you have one of the best home buying or refinancing experiences you've ever had and will take the time to make sure you get the mortgage loan that's right for you. Apply today and discover why thousands in Northeast Florida love their mortgage with Community First.


Federally insured by NCUA. An initial deposit of $5 to be held in your Community First Share account is required for membership. Membership is open to anyone who lives or works in Baker, Clay, Duval, Flagler, Nassau, Putnam or St. Johns counties. *Community First’s No Closing Costs Mortgage Offer  is available on primary and secondary 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 $100,000. 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 guarantee is kept assuming borrower meets deadlines for submitting and completing required paperwork to lender. ***Restrictions apply.