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no closing cost

Mortgages

Settle down in your dream home with a hassle-free mortgage loan. Take advantage of Quick Closings, No Closing Costs*, and Rapid Pre-Approvals***. Get started today!

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kickstart your homeownership journey

At Community First, we offer personalized mortgage solutions designed to make your homebuying journey simple. Enjoy exclusive offers and benefits like no closing costs*, competitive rates, and quick closings. Plus, you'll get access to our team of experienced Home Mortgage Advisors equipped to get you into the home that fits your lifestyle and budget. Apply online and get started today. 

Exclusive Community First Mortgage Perks:

  • No closing costs*
  • Rate Freeze (freeze your rate for up to 90 days)**
  • Quick closings
  • Rapid Pre-approvals***
  • And more! 

explore our mortgage options

Conventional Fixed-Rate Mortgage1

Secure your future in your own home with a Conventional Fixed-Rate Mortgage. Enjoy the stability of a fixed interest rate and predictable payments, all without the burden of pre-payment penalties.

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Adjustable-Rate Mortgage (ARM)2

Consider an Adjustable-Rate Mortgage (ARM) if you are a short-term homeowner. This option offers flexibility and savings, featuring a low introductory rate that adjusts to market rates after the initial period.

Learn More

READY TO GET STARTED?

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apply online

Completing an application online is easy and only takes about 10 minutes! Click below to get started.

Apply Now
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call our Home Mortgage Advisors

Still have questions? Reach out to our Home Mortgage Advisors from Monday - Friday: 8 a.m. - 6 p.m.

Call us at 904-204-8775
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schedule an appointment

Not ready right now? Schedule an in-person or over-the-phone appointment.

Schedule an Appointment

need more information?

Check out these resources that will help you make the right decision.

Mortgage Rates
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Looking for the best mortgage rate? Click below to discover our our low, local Mortgage Rates. 

View Rates
Mortgage Calculator
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Find the best payment option for your budget using our Mortgage calculator.

View Calculator
Home Loan Guide
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Worried about refinancing? Explore our Home Loan Guide access the resources you need

View Loan Guide

Helpful Resources

HOW TO AVOID CLOSING COSTS WHEN BUYING A HOUSE

Closing costs can add up to thousands of dollars and can be a major financial burden for homebuyers. While it is impossible to completely cut out all closing costs, there are several ways to reduce these costs through negotiation and shopping around. Read our blog to learn more

 

+ Read more

What Do I Need to Qualify for a Mortgage in Florida?

Thinking of buying a home? Before you start picking out paint swatches, it's important to know what it takes to qualify for a mortgage in Florida. Click below to explore what you need to know to finance your Florida home. 

+ Read more

Adjustable Rate versus Fixed Rate Mortgages

Not sure what type of mortgage is best for you? Read our helpful blog to learn the benefits of each type so you can make the best decision for you.

 

+ Read more

Federally insured by NCUA.  All new accounts and loans are subject to approval and membership eligibility required. Please visit our website at www.communityfirstfl.org/connect/become-a-member or call 904.354.8537 for more information on membership requirements. An initial deposit of $5 to be held in your Community First Share account is required for membership.

*Community First's No Closing Costs Mortgage Offer is available on primary and secondary residences only. Community First will pay up to $5,000 of the actual closing costs associated with this new mortgage excluding appraisal fees, 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 $806,500. 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.

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

1 Conventional Fixed-Rate First Mortgage- Terms are 10, 15, 20 and 30 years. Maximum loan amount is $806,500. New members must open a share account with a minimum $5 initial deposit (share account is required for membership). Credit and other restrictions apply.

2 All Adjustable-Rate Mortgage (ARM) loans have a 30 year amortization. ARM rates are subject to change during term of loan. New members must open a share account with a minimum $5 initial deposit (share account is required for membership). Jumbo Loans - call for details.