Community First

First-Time Homebuyer Mortgages

Get the tools you need to make homeownership a reality! With our First-Time Homebuyer Mortgage Loan, you can enjoy exclusive perks like no down payment*, no PMI*, and support from our local Home Mortgage Advisors. Get started today!

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Step into your First Home with confidence! 

Buying your first home is a major milestone, and we’re here to make it as smooth and rewarding as possible. Whether you’re looking for a cozy starter home, a space to grow your family, or a place to finally call your own, our First-Time Homebuyer Mortgage Loan is designed with your unique needs in mind. With exclusive perks like no down payment* and no PMI*, we make it easier than ever to step into homeownership. Plus, let our experienced Home Mortgage Advisors are here to help you every step of the way!

With a First-Time Homebuyer Mortgage you can enjoy:

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 904-574-5885

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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?

Explore these resources that will guide you towards the best decision.


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

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

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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 Much Home Can I Afford?

Purchasing a home is one of the most expensive personal investments. Figuring out how much you can afford is a crucial aspect of the home buying process. Click below to learn more.

Who Qualifies as a First Time Homebuyer in Florida?

Ready to settle on your first home in Florida? There are specific criteria that determine who qualifies as a first-time homebuyer. Find out here!

First-Time Home Buying Tips

Buying a home for the first time can be exciting and just as challenging. Read our miniguide that will help you tackle the home buying 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. Offer may end at any time without notice.

*Up to 100% financing of purchase price at or below $400,000. Maximum loan amount is $400,000. Closing costs are paid by the borrower. No Private Mortgage Insurance required. Other exclusions and restrictions apply. All mortgage loans subject to credit approval.