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Enjoy No Closing Costs*
+ Freeze your rate for up to 90 days**

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Shop like a cash buyer and boost your bargaining power!

Enjoy no closing costs when you buy or refinance a home! With a Community First mortgage, you can also enjoy competitive low rates, rapid pre-approvals, and quick closings!

Plus, you now have the option to freeze your special low rate for up to 90 days while you shop for a home! Once you find your dream home, you'll stay cool knowing you have the lowest possible rate. Talk to a Mortgage Champion today to take advantage of our new Rate Freeze option and so much more!

With a Community First Mortgage, you can take advantage of:

  • No closing costs*
  • Rate Freeze**
  • Close in 30 days or less***
  • Rapid Pre-approvals1

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. Minimum down payment is 5%. Maximum loan amount is $900,000. Some exclusions and restrictions apply. All mortgage loans subject to credit approval. Offer may end at any time without notice.

*Community First's No Closing Costs Mortgage Offer is available on primary and secondary residences only. Community First Credit Union will pay the actual borrower’s closing costs excluding origination fees, discount points, prepaid interest, funds needed to establish an escrow account, non-lender fees, fees needed to transfer title (deed stamps), and the upfront non-refundable appraisal fee and/or rate lock fee.  Maximum loan amount $548,250. 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.

**The rate is frozen for up to 90 days while you shop for a home. A one-time fee will apply and is due upon issuing a pre-approval. Other restrictions and conditions apply. Contact us for details.

***30 day closing guaranteed assuming borrower meets deadlines in gathering and providing necessary documents for closing. Some restrictions apply. Some exclusions and restrictions apply. All mortgage loans subject to credit approval. Offer may end at any time without notice.

1Rapid pre-approvals are available on home purchases only.