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Feel like a winner knowing you’ve got the best deal possible!

Call 904.204.3622 or complete the form to have us contact you.

No closing costs + Special low rates!

We can help you cross the home-buying finish line quickly and confidently! Take advantage of no closing costs (for real) and even freeze your mortgage rate for up to 75 days with Rate Freeze.

Listen to our very own Director of Mortgage Sales, Eric Krall, explain how a true no closing costs option can benefit you!

What it means to be a Mortgage Champion:

Confidence-icon Convenience-icon Speed-icon

Have Confidence
knowing you're getting  a low rate + no closing costs (for real)*

Expect Convenience
with a 24/7 Mortgage Hotline + Rate Freeze Program**

Count on Speed
with our quick  Mortgage Champions closing process



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.  All offers may end at any time without notice. *Credit, income, and other restrictions may apply. Community First’s No Closing Costs Mortgage Offer is available on primary 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, when applicable. Minimum loan amount for Jumbo Mortgages is $484,851. 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. **A $250 one-time fee paid upon signing the Rate Freeze Agreement applies. The rate is frozen for up to 30 days while you shop for a home. Upon delivery of a fully executed purchase and sale agreement to Community First Credit Union, the rate is frozen for a period of 45 days subject to the following conditions: changes in credit history or appraised value can result in an increase to this rate.  At that time, the rate will be re-locked at a rate that conforms to those adjustments.  The time period required in processing your loan may be subject to the actions of third parties over which Community First has no control. The rate lock period will not be extended in the event of delays which are beyond the control of Community First (listed upon signing the Rate Freeze Agreement). If the processing of the application extends beyond 45 calendar days and up to 60 calendar days the rate will automatically increase by .125% or to the current market rate whichever is higher. If the processing of the application extends beyond 60 calendar days your application may be cancelled. Upon delivery of a fully executed purchase and sale agreement to Community First Credit Union, the rate will be locked at either the existing frozen rate or the current market rate whichever is lower.