Community First Credit Union Refinance – Whether you’re looking to buy your first home, your next home, or simply want to refinance your home, First Community Credit Union has the mortgage loans to make it all happen. Contact our team Monday to Friday 8:00am to 6:00pm or Saturday 9:00am to 3:00pm.
Buying your first home is an exciting milestone. Our special First Time Homebuyer1 loan simplifies the process with expert advice and special offers, including low and no down payment options, so you can make your home ownership dreams come true. Designed specifically for first time home buyers. Loans start with a fixed interest rate for the initial term and are adjustable thereafter. Option to convert to fixed rate is available.
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Are you planning to stay in an affordable home for years to come? A fixed rate 3 conventional mortgage can fit your budget and is one of the most popular home loan options. Your interest rate remains the same throughout the term of the loan, so you’ll have predictable monthly payments and no prepayment penalty.
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If you are buying a larger or more expensive home, Jumbo Mortgage2 can get you a larger loan amount. Your interest rate is fixed and doesn’t change, so you’ll have predictable monthly payments and no prepayment penalties.
If you plan to pay off your mortgage quickly or buy another home in 10 years or less, an adjustable rate mortgage (ARM) 4 may be the home loan for you. An ARM is a loan with an ultra-low introductory rate that converts (or “adjusts”) to the market rate after a certain period of time.
A home equity line of credit (HELOC)6 uses the equity in your home to create a line of credit for immediate and future lending needs. Use your home equity with a revolving HELOC. Access cash now and in the future with a 10-year draw period and generous lines up to $250,000.
A home equity loan 5 can be a great way to use the equity in your home for a number of reasons. Borrow against your home equity with a fixed home equity loan. Qualified borrowers can qualify for loans from $10,000 to $250,000 with flexible terms.
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You may consider refinancing your current mortgage if you can lower your interest rate or if your home has increased in value. But it’s also a useful tool you can use to improve your home, consolidate debt, or lower your monthly mortgage payment.
Applying for a mortgage with us is easy: it only takes 10 minutes and you can do it from your phone.
All our branches now have home mortgage advisers who can help you with all your mortgage needs. Just ask to speak to a home mortgage consultant!
No application fee Unlike other banks, we will not charge you a fee for completing a mortgage application.
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No Credit Report Fee To save even more money, we’ve also eliminated the credit report fee! It’s time to mortgage the easy way with Community First.
No transfer fee Many mortgage lenders will charge you a transfer fee. To make your experience even better, we’ve waived this fee on all our available mortgages.
We can help you refinance your home and maybe lower your monthly payments, lower your interest rate, or borrow money for whatever you need!
We offer a 5% down mortgage and same day pre-approval. This is a great option for first-time home buyers or anyone looking to invest less.
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Call 904.574.5885 our team of experts anytime Monday. – Friday. From 8:00 to 18:00 or Saturday from 9:00 to 15:00.
Whether you’re looking to buy a new home, remodel your current home, or refinance your mortgage, we’ve put together a variety of resources to help you every step of the way. Our Home Loan Guide provides checklists, concise videos, helpful tips and necessary next steps to help you with your home equity endeavors.
Our dedicated home mortgage advisors make home buying and refinancing easy. They are here to listen, guide and advise you every step of the way so you get the right loan for you and your budget.
There are many factors to consider when deciding how much house you can afford. Our team explains it all.
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Membership at First Community Credit Union is open to anyone who lives, works or attends school in one of the following Florida counties: Baker, Brevard, Broward, Lyme, Duval, Flagler, Indian River, Lake, Martin, Nassau , Orange, Palm Beach. , Putnam, Seminole, St. John, St. Lucia or Volusia.
Membership is also open to any relative of a current or eligible member of Florida First Community Credit Union. We also offer memberships to select employer groups, including employees of Brooks Rehabilitation, Miller Electric Company and Web.com. Not sure if you qualify? Call us.
When applying for a mortgage at First Community Credit Union, it’s helpful to have the following information available:
Other documents may be required depending on the type of loan you are applying for and your financial situation. Although the paperwork required may seem daunting, you’ll have a dedicated home mortgage advisor who will guide you every step of the way and determine what you need.
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No, unlike most banks, First Community Credit Union will never charge an origination, application or credit report fee.
While every mortgage loan is different, most First Community Credit Union mortgages close in 30 days or less.
There are three easy ways to request a mortgage payment statement from First Community. Choose the one that suits you below:
1 Home Buyer Loan – up to 100% of the purchase price up to $400,000. The maximum loan amount is $400,000. No private mortgage insurance required. New members must open a stock account with a minimum initial deposit of $5 (stock account required to join). Other exclusions and limitations apply. All mortgage loans must be credit approved. 2 Jumbo Mortgages – The minimum loan amount for jumbo mortgages is $766,551. The minimum down payment for a large mortgage loan is 10%. All mortgage loans require credit approval. New members must open a stock account with a minimum initial deposit of $5 (stock account required to join). Offer may end at any time without notice. 3 Common fixed rate first mortgage terms are 10, 15, 20 and 30 years. The maximum loan amount is $766,550. Other restrictions apply. 4 All adjustable rate mortgages (ARMs) have a 30-year amortization. ARM rates can change over the life of the loan. New members must open a stock account with a minimum initial deposit of $5 (stock account required to join). Jumbo Loan – Call for details. 5 Home loan – term is 10, 15 and 20 years. Minimum loan amount is $10,000 Maximum loan amount is $250,000 and other restrictions apply. Title insurance can be required and paid by borrowers who take out home equity loans and HELOCs. Property insurance is required and depending on the location of the property, flood insurance may be required. The home equity loan amount is determined based on the current market value of the property minus the sum of all current mortgages and other liens on the property. for participation). Community First will pay closing costs associated with home equity loans, excluding full appraisal costs, if applicable. Fixed rate equity loan terms are 10, 15 and 20 years. Home equity loan payment example: $50,000 loan over 10 years. A term of 7.720% APR would equate to a payment of $599.27 per month. The minimum loan amount is 10,000 USD The maximum loan amount is 90% of the property value. All home equity loans require credit approval. Some other restrictions may apply. 6 Home Equity Line of Credit (HELOC) – No closing costs. The annual percentage rate (APR) is a variable rate and is based on Wall Street Journal Prime plus an applicable spread. All home equity loans and lines of credit are secured by the lien on your home. In certain circumstances, a full assessment, paid for by the applicant, may be required. All prices and terms are subject to change without notice; Please contact your credit union for current rates and terms. PRICE
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