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Mortgage Rates

When it comes to your mortgage lending needs, your local Mortgage Champions have you covered. Community First has a dedicated Mortgage Resource Center with all the information and resources you need to make the process even easier. See below for just a few of our mortgage options and click one of the ‘Apply Now’ buttons to submit an application.

Rates as of: October 15, 2021 | 9:00 AM ET (Eastern Time)

Mortgage Products

Conventional Fixed Rate Mortgages

Most popular option. The payment on a fixed rate loan does not change during the term of the loan. Refinance options available. Eligible for No Closing Costs***

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2.250%

APR* as low as

2.317%

Terms Available:
10, 15, 20, 30-year

Min. Down Payment:
5%

More Details:
Fixed rate

Jumbo Fixed Rate Mortgages**

This is the best option for larger loan amounts. The payment on a fixed rate loan does not
change during the term of the loan. Loans up to $900,000.

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Interest rates as low as (based on term)

2.125%

APR* as low as

2.154%

Terms Available:
10, 15, 20, 30-year

Min. Down Payment:
20%

More Details:
Fixed & adjustable rates
Min. loan amount $510,401

First-Time Homebuyer Loan

Specially designed for first-time home buyers. These loans begin with a fixed interest rate for
the initial term and then can adjust. Option to convert to a fixed rate available.

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Interest rates as low as (based on term)

3.000%

APR* as low as

2.609%

Terms Available:
30-year loan with  7 or 10 year
initial fixed rate periods

100% Financing Available
 

More Details:
Adjustable rate
No PMI

Adjustable-Rate Mortgages (ARMs)

Another popular option, these loans begin with a fixed interest rate for the initial term and then can adjust. Option to convert to a fixed rate available. Eligible for No Closing Costs***

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Interest rates as low as (based on term)

3.250%

APR* as low as

3.361%

Terms Available:
30-year loan with  7 or 10 year
initial fixed rate periods

Min. Down Payment:
5%

More Details:
Adjustable rate

Fixed-Rate Equity Loan

A Fixed-Rate Equity Loan may be an excellent way to utilize the equity in your home for a variety of reasons.

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Interest rates as low as (based on term)

3.390%

APR* as low as

3.358%

Terms Available:
10, 15, 20-year

Min. Down Payment:
Not required – maximum LTV is 90%

More Details:
Fixed rate

HELOC

A Home Equity Line of Credit (HELOC) uses the equity in your home to establish a line of credit for immediate and future lending needs.

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Interest rates as low as (based on term)

4.000%

APR* as low as

4.000%

Terms Available:
10 year draw period

More Details:
Adjustable rate
Floor 4%
Cap 18%

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 and Web.com. All offers may end at any time without notice. *APR= Annual Percentage Rate. A 1% origination fee may be applicable. Credit, income, and other restrictions may apply. **Minimum loan amount for Jumbo Mortgages is $510,401. 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 closing guaranteed assuming borrower meets deadlines in gathering and providing necessary documents for closing. Some restrictions apply. ***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 excluding 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 $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.