As your new Mortgage Champions, we’ve upgraded our mortgages to give you one of the best home buying and refinancing experiences you’ve ever had. We’re giving away $1,000 in Home Depot gift cards + No closing costs. Complete the form below to request more information.

Complete the form below to enter to win and have a Mortgage Champion contact you.

It’s the best home buying or refinancing experience you’ll ever have.

Now’s your chance to get off the sidelines and mortgage the easy way. If you haven’t heard by now, we’ve made exciting new upgrades to our mortgage process designed to give you the best home buying and refinancing experience you’ll ever have. Our Mortgage Champions have already helped thousands locally and now it’s your turn. Get started today and enter to win to $1,000 in Home Depot gift cards while you’re at it.

It’s the best home buying or refinancing experience you’ll ever have.

  • Enter to Win $1,000 in Home Depot gift cards*
  • No closing costs on loans up to $1 million**
  • Special condo financing
  • Close in 30 days or less***
  • Branch mortgage experts
  • Among the lowest mortgage rates

Mortgage Champions Hotline: Call us anytime 24/7 904.371.8150

With our new Mortgage Champions Hotline, you can apply for a mortgage, check the status of your application, or ask us any questions you may have.

Mortgage experts in every branch

We now have Mortgage Champions within all of our branches who can help you with all of your mortgage needs. Simply ask to speak with a Mortgage Champion!

Special condo financing

We now offer special financing on condos up to $1 million. Whether you're looking for a special vacation home or just moving into a new condo, we can help you make the move faster than ever.

Jumbo mortgages up to $1 million

Our specially priced Jumbo Mortgage loans feature no closing costs, same-day pre-approvals, and we'll close your loan in 30 days or less, guaranteed.

Mortgages with as little as 3% down**

We now offer new mortgage loans with as little as 3% down, no closing costs, and same-day pre-approvals. This is a great option for either first-time homebuyers or anyone who wants to put less down up front.

Mortgage Buddy App

With our new Mortgage Buddy app, you can track your application status, communicate directly with the Mortgage Specialist that’s assigned to you, upload documents, and much more to make sure you close your loan on time.

The Mortgage Champion Process

Learn more about our easy, 6-step mortgage process and print out our mortgage application checklist above.


Federally insured by NCUA. Membership is open to anyone who lives or works in Baker, Clay, Duval, Flagler, Nassau, Putnam, or St. Johns counties. All offers may end at any time without notice. *No purchase necessary to enter to win. Enter to win by completing Money Saver Challenge web form at from 8/1/2018 through 9/30/2018. A winner will be drawn at random on or around 10/1/2018. Must provide valid email and phone number to win. Community First Credit Union is not affiliated with The Home Depot®. The Home Depot® is a registered trademark of Homer TLC, Inc. The Home Depot® is not a sponsor of this promotion. Terms & Conditions. Valid toward purchase of merchandise/services at any The Home Depot® store in the U.S., Canada and online at Gift Card carries no implied warranties and is not a credit/debit card. Not redeemable for cash (unless required by law) and cannot be applied to any credit or loan balance, Tool Rental deposits, or for in home/phone purchases. Gift Cards will not be canceled and replaced without proof of purchase. Except as required by law, Gift Cards purchased with cash will bot be replaces and any Gift Card may be deactivated or rejected in connection with fraudulent actions. Check your balance at any The Home Depot® store or online. Reload card value at any The Home Depot ® store. © 2016. HOMER TLC, Inc. All rights reserved. Redeemable in local funds at Home Depot’s then applicable exchange rate. **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. Minimum loan amount for Jumbo Mortgages is $453,200. 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.