All branches will be closed in observance of Thanksgiving Day on Thursday, November 28th.

Get moving with low rates and same day pre-approvals.

With home values rising, now is the perfect time to buy a home and lock low rates while they last.  With our quick approval process, we can hand you a mortgage pre-approval letter the same day so you'll know exactly how much home you can afford.  Plus we offer among the lowest rates around and local mortgage representatives with you from application to closing.

Our mortgage loans feature:

  • No credit report fee
  • No closing costs*
  • We’ll pay your appraisal and processing cost (with no closing cost option)
  • No intangible tax (up to $848 savings)**
  • Close in as little as 30 days guaranteed***
  • Always know your loan status throughout the process

Fill out the form below to request more information or call 904-371-8150, option 4.


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.  ** Based on the highest loan amount offered of $424,100. ***30 day guarantee is kept assuming borrower meets deadlines for submitting and completing required paperwork to lender.  Restrictions apply. win.