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  1. Rates
  2. Mortgage Rates

Mortgage Rates

When it comes to your mortgage lending needs, we’ve got 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: November 25, 2020 8:40 AM EST

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.

Apply now for a Conventional Fixed Rate Mortgage

 Interest rates as low as (based on term)

2.25%

APR* as low as

2.535%

 

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 $1 million.

Apply now for a Jumbo Fixed Rate Mortgage

 Interest rates as low as (based on term)

2.875%

APR* as low as

2.889%

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

Min. Down Payment:
20%

More Details:
Fixed rate
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.

Apply now for a First-Time Homebuyer Loan

 Interest rates as low as (based on term)

3.25%

APR* as low as

2.794%

Terms Available:
30-year loan with 5, 7, or 10 year
initial fixed rate periods

Min. Down Payment:
5%

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.

Apply now for an Adjustable-Rate Mortgage

 Interest rates as low as (based on term)

3.000%

APR* as low as

2.677%

Terms Available:
30-year loan with 5, 7, or 10 year
initial fixed rate periods

Min. Down Payment:
5%

More Details:
Adjustable rate

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.