Save thousands with our new Mortgage Refinance Program

We’ve officially launched our new Mortgage Refinance Program! Mortgage rates are at historic lows and we have one of the best mortgage refinance programs around.   Contact us today to quickly review your current mortgage rate and see if we can lower your monthly payments by refinancing your mortgage.  You could potentially lower your monthly mortgage payments, pay off your mortgage quicker and save thousands.  Plus enter to win $500 in Home Depot gift cards.****

Our mortgage loans feature:

  • No credit report fee
  • No closing costs up to $5,000*
  • We’ll pay your appraisal and processing cost (with no closing cost option)
  • No intangible tax (up to $848 savings)**
  • Close in as little as 30 days guaranteed***
  • Among the lowest rates around
  • Quick and easy approval process
  • Always know your loan status throughout the process

It's easy to get started today. Fill out the form or call 904-371-8008.


An initial deposit of $5 to be held in your Community First share account is required for membership. Membership is open to anyone who lives or works in Baker, Clay, Duval, Flagler, Nassau, Putnam or St. Johns counties. *Community First's No Closing Costs Mortgage Offer is available on primary and secondary 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 $100,000. 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.  ** Based on the highest loan amount offered of $424,100. ***30 day guarantee is kept assuming borrower meets deadlines for submitting and completing required paperwork to lender.  Restrictions apply. **** 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 or merchant/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 not be replaced 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. ©2014. HOMER TLC, Inc. All rights reserved. Redeemable in local funds at Home Depot's then applicable exchange rate. No purchase necessary to enter to win.  Enter to win from 7/24/2017 – 9/30/2017 online at  A winner will be randomly drawn on or around 10/15/2017.  Need to provide a valid email and phone number to win.