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New Extended Rate Freeze Program

Thinking about building your next home? A new construction can get you all the custom fixtures you’ve been dreaming of, but it also comes with its own set of challenges. The last thing you should worry about when building your dream home is fluctuating rates.

That’s why we offer our Extended Rate Freeze Program so you can lock in your mortgage rate for 90, 120, or even 365 days! Enjoy financial peace of mind and lock in your low rate today, so you can focus on what really matters.

Apply for Community First Mortgage today and you can also take advantage of:

  • Lock in your rate for up to 365 days (for new construction properties)*
  • Enjoy no closing costs**
  • Take advantage of quick closings
  • Get a rapid pre-approval***

READY TO GET STARTED?

APPLY ONLINE

APPLY ONLINE

Completing an application online is easy and only takes about 10 minutes! Click below to get started.

Apply Now

CALL OUR MORTGAGE CHAMPIONS

CALL OUR MORTGAGE CHAMPIONS

Still have questions? Reach out to our 24/7 Mortgage Champion Hotline any time, day or night.

Call us at 904-371-8150

SCHEDULE AN APPOINTMENT

SCHEDULE AN APPOINTMENT

Not ready right now? Schedule an in-person or over-the-phone appointment.

SCHEDULE AN APPOINTMENT

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, Miller Electric Company, and Web.com. Credit, income, and other restrictions may apply. Minimum loan amount for jumbo mortgages is $647,201. This special offer is available on all conventional first mortgage programs. All mortgage loans subject to credit approval. Offer may end at any time without notice.

*Lock Periods are available on Conventional Loans for a New Construction Property Only. Borrower can select from a variety of interest rate periods. All of the extended lock options will require an upfront fee of 0.5% of the loan amount. The upfront fee is fully refundable at closing with an interest rate add on: 120 days = 0.125%; 180 days = 0.25%; 270 days = 0.375%; 365 days = 0.5%. Float Down Option Available.

**Community First's No Closing Costs Mortgage Offer is available on primary and secondary residences only. Community First will pay up to $5,000 of the actual closing costs associated with this new mortgage excluding appraisal fees, origination fee, discount points, prepaid interest, private mortgage insurance, funds needed to establish the member's escrow account and non-lender fees. Maximum loan amount $647,200. This special offer is not available for First Time Home Buyer products. Some exclusions and restrictions apply. All mortgage loans subject to credit approval. This offer may end at any time.