just be a champion

Our mortgages come with great rates, fewer fees and fast answers.

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Mortgage the easy way, with us on your side.

Be a Mortgage Champion!

Buy or refinance the easy way, with us on your side. Most of our loans
close in 30 days or less, we have competitive low rates, and we are one of the
largest credit unions in North Florida!

  • NO Origination Fee
  • NO Application Fee
  • NO Credit report fee
  • NO intangible tax (less out of pocket for you)
  • Rapid pre-approvals
  • Close in 30 days or less

Plus, we'll save you an average of $3,060 in closing costs!
Savings example is based on an average home value of $230,180.

Fees excluded from Community First Mortgages

Estimated Savings

Origination Fee (1% of home value)


Application Fee (on average)


Intangible Sales Tax (tax rate is 2 mills)


Savings Total




Contact us to learn more about our mortgage options today!

Call our 24/7 Mortgage Champions Hotline

Call us at 904-371-8150

Schedule a phone or in person appointment with our expert staff

Schedule an Appointment

Apply online in minutes!

Apply Now

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. Minimum down payment is 5%. Maximum loan amount is $900,000. Some exclusions and restrictions apply. All mortgage loans subject to credit approval. Offer may end at any time without notice.

Average home value sourced from https://www.zillow.com/jacksonville-fl/home-values/

Average origination fee sourced from https://www.creditkarma.com/home-loans/i/fees-when-buying-home

Average application fee and origination fee sourced from https://www.investopedia.com/terms/l/loan-application-fee.asp

The intangible tax percentage is sourced from https://floridarevenue.com/taxes/taxesfees/Pages/nonrecurring_intangible_tax.aspx

Equal Housing Lender ans NCUA Logo

P.O. Box 2600
Jacksonville, FL 32232


Toll Free:

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