Coronavirus (COVID-19) Updates: Announcements, Branch Availability, Member Relief Offers, and Government Relief Programs. Due to high call volume from stimulus funds posting, we are experiencing longer wait times. Check our Mobile Banking app or Online Banking for account updates. Check the status of your payment by using the IRS Get My Payment Tool. (Routing #: 263078934)

All branches will be closed in observance of Memorial Day on Monday, May 25, 2020.

Refinancing Your Home

Why refinance?

Refinancing your home may make sense if you can lower your interest rate or if the value of your home has increased. Refinancing can be a helpful tool for home improvement, debt consolidation or simply lowering your monthly payment. Our Mortgage Champions can help you every step of the way!

Call our 24/7 Mortgage Hotline at 904.371.8150 or Schedule an Appointment

Lower your payment

Reduce your interest rate

Take cash out

Remove mortgage insurance

Reasons to Refinance

Lower your payment

Lower your payment

Change from one adjustable rate loan to another to lower your monthly payment, and remove Mortgage Insurance Premiums (MIP)

Build equity or take out cash

Build equity or take out cash

Build equity faster by shortening the term of your loan, or take out cash from your home’s equity.

Switch to a fixed rate

Switch to a fixed rate

Switch from an adjustable rate loan to a fixed rate mortgage

Reduce your interest rate

Reduce your interest rate

You may be able to reduce your interest rate and your monthly payment by refinancing.

Apply Now to refinance your home

To apply for your easy online loan, all you have to do is answer a few simple questions about yourself, your property and your income, debts and assets

The Mortgage Process

Whether you've refinanced before or not, we are sure your experience this time around will be easier, faster and altogether clearer. We've summarized our new process into simple steps. Follow these and you'll be closing your loan in no time!

Mortgage Specialist

Not sure which loan is right for you? Our Mortgage Specialist walks you through all the important steps of determining which mortgage best fits your needs.

Refinance Calculators

Fixed rate loan or variable? For how many years should we finance? Our wide range of calculators can help you answer these and many other questions before you start your application.

Helpful Resources:

We know refinancing your home can feel overwhelming. That’s why our Mortgage Champions are here to help you anytime, day or night. Call out 24/7 Mortgage Champions Hotline at 904.371.8150

Federally insured by NCUA. Equal Housing Lender. 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  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, appraisal fees, prepaid interest, private mortgage insurance, and funds needed to establish the member’s escrow account, when applicable. Minimum loan amount for Jumbo Mortgages is $510,400. This special offer is available on all conventional first mortgage programs. Some exclusions and restrictions apply. All mortgage loans subject to credit approval. Offer may end at any time without notice..