We will be closed in observance of the holidays on the following dates and times: December 24: Close at 2:00 p.m.; December 25: Closed all day; December 31: Close at 3:00 p.m.; January 1: Closed all day. Also, due to the UNF campus being closed for the holidays, the UNF branch will be closed from December 16 – January 1.

As your Mortgage Champions, we’re dedicated to giving you one of the best home buying or refinancing experiences you’ve ever had. Try the Mortgage Champion 30-Day Process for yourself today and discover how to mortgage the easy way, with us on your side. Call us on our 24/7 Mortgage Hotline to talk to a real person, stop by any branch, or apply online to get started.

Apply Now

Or call our Mortgage Champions 24/7 hotline 904.371.8150


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.

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

Helpful Resources:

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. *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.