Upcoming Event: Home Loan WorkShop
Join us February 13 for this informative Home Loan workshop. Attendence is free. View pdf brochure ...

• Conventional Fixed Rate First Mortgage
  If you are a current home owner or looking to purchase a home? A conventional fixed-rate first mortgage may be the program for you.
  
  The Conventional Fixed Rate First Mortgage is a loan with a specified term, which maintains its original interest rate throughout the entire term of the loan.

  • Flexible terms and rate plans to fit your borrowing needs
  • Jumbo Loan products
  • No prepayment penalty
  • Competitive closing costs and No Closing Cost options
  • Loan payments can be made automatically

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  *APR = Annual Percentage Rate.
• FHA Mortgage
  The FHA mortgage loan is a government-insured, 30-year, fixed-rate mortgage loan, which maintains its original interest rate throughout the entire term of the loan.
  
  

  • Lower down payment required -- ask us for details
  • Flexible income and credit requirements
  • No Maximum income/earnings limitations
  • Insurance from the Federal Government replaces Private Mortgage Insurance (PMI)
  • Loan payments can be made automatically

  
  
  FHA Refinance
  

  • 98.25% financing Rate and Term
  • Cash out available (up to 85% - FHA financing

  
  
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  APR = Annual Percentage Rate.
  
  
  
  
• Adjustable Rate Mortgage (ARM)
  The Adjustable Rate Mortgage (ARM) establishes a fixed rate for a predetermined period of time (e.g., 1 yr, 3 yrs, 5 yrs, 7 yrs). During the term of the mortgage loan, the interest rate will adjust according to a predetermined schedule. Your interest rate may be reduced at adjustment period, depending on market conditions.

  • 15 and 30 year terms available
  • No prepayment penalty
  • Competitive Closing Costs
  • Loan payments can be made automatically

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  APR = Annual Percentage Rate.
• Green Advantage Mortgage
  The Green Advantage Mortgage is our Energy Efficient Mortgage that is designed for the purchase and limited cash-out refinance of new construction or existing residential homes that must be built to the standards of the National Home Energy Rating Standards.†
  

  Borrowers receive a 0.25% rate reduction† Energy improvements can be financed Available for purchases and refinances Competitive Closing Costs Loan Payment can be made automatically

  Download Green Advantage Brochure (pdf)

  
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  APR = Annual Percentage Rate.
  
  † APR = Annual Percentage Rate. This product is designed for the purchase and limited cash-out refinance of new construction or existing residential properties. These homes must be built to the standards of the National Home Energy Rating Standards (HERS). All requirements of the standard checklist must be met, and a HERS Index of 85 or better must be obtained in accordance with the Energy Star Performance Requirements. This loan applies to a one-unit, owner-occupied, primary residence; fixed rate mortgages that have a term of 30 years and do not include interest-only option; maximum loan-to-value/combined-loan-to-value 95%. Energy efficient mortgage loan payment example: $200,000 borrowed for a 30-year term at 6.50% APR, sample monthly payment would equal $1,264.14.
• Fixed Rate Second Mortgage
  A Fixed-Rate Second Mortgage is a secured mortgage loan that allows members to borrow against the equity in their home.
  

  • One time payout - money disbursed to you in one lump sum
  • Fixed rate for life of the loan
  • Monthly payment never changes
  • Tax advantages - may allow interest payments to be tax deductible (check with your tax advisor)
  • No or low closing costs
  • Flexibility - allows money to be used for any purpose
  • Loans available fomr $10,000 to $150,000
  • Loan payments can be made automatically

  
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  APR = Annual Percentage Rate. Does not apply to home equity lines of credit (HELOCs). Rate is for the life of the loan. Terms are 5, 15 and 20 years. Minimum loan amount is $10,000. If loan is paid in full within one year of the date of the loan, a pre-payment penalty up to $1,000 may apply. Home Equity Loan payment example: $60,000 borrowed for a 5-year term at 5.00% APR, sample monthly payment would equal $1,132.28.
  
  No closing costs for loans up to $100,000 (2nd mortgages only). For loans over $100,000, the estimated fees and costs to open the loan are between $1,000 and $2,500. Borrower is required to pay  title insurance on home equity loans and HELOCs greater than $100,000. Property insurance is required, and flood insurance may be required depending upon the location of the property. The amount of a home equity loan is based on the current market value of the property, less the amount of any current mortgages and other liens on the property. Please consult your tax advisor and IRS Publication 936 (Home Mortgage Interest Deduction) regarding interest deductibility. Our current HELOC APR varies, depending on creditworthiness criteria and the HELOC type selected. HELOCs have a variable APR; the maximum HELOC APR is 17.9%. All rates and terms are subject to change without notice; please contact the Credit Union for current rates and terms. Credit subject to approval. Other restrictions may apply. A home equity loan is secured by a lien on your home. Full appraisal, paid by applicant, may be required in certain circumstances.
• Home Equity Line of Credit
  A Home Equity Line of Credit is a revolving line of credit secured by the equity in your home. Advances of credit may be made for up to 10 years and can be used for any purpose.
  
  Home ownership comes with great rewards, especially once you have built up some equity! A Home Equity Loan or Home Equity Line of Credit (HELOC) from Community First lets you turn that equity into CASH for
  
  

  • home improvements
  • debt consolidation
  • your children’s college education
  • a dream vacation
  • …whatever your needs may be

  Features include:

  • Payment based on outstanding balance
  • Quick access to funds when you need them
  • Funds can be advanced with convenience checks or through online banking
  • No or low closing costs
  • Tax advantages - may allow interest payments to be tax deductible (check with your tax advisor)
  • Lines from $10,000 to $150,000

  
  
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  APR = Annual Percentage Rate. Does not apply to home equity lines of credit (HELOCs). Rate is for the life of the loan. Terms are 5, 15 and 20 years. Minimum loan amount is $10,000. If loan is paid in full within one year of the date of the loan, a pre-payment penalty up to $1,000 may apply. Home Equity Loan payment example: $60,000 borrowed for a 5-year term at 5.00% APR, sample monthly payment would equal $1,132.28.
  
  No closing costs for loans up to $100,000 (2nd mortgages only). For loans over $100,000, the estimated fees and costs to open the loan are between $1,000 and $2,500. Borrower is required to pay  title insurance on home equity loans and HELOCs greater than $100,000. Property insurance is required, and flood insurance may be required depending upon the location of the property. The amount of a home equity loan is based on the current market value of the property, less the amount of any current mortgages and other liens on the property. Please consult your tax advisor and IRS Publication 936 (Home Mortgage Interest Deduction) regarding interest deductibility. Our current HELOC APR varies, depending on creditworthiness criteria and the HELOC type selected. HELOCs have a variable APR; the maximum HELOC APR is 17.9%. All rates and terms are subject to change without notice; please contact the Credit Union for current rates and terms. Credit subject to approval. Other restrictions may apply. A home equity loan is secured by a lien on your home. Full appraisal, paid by applicant, may be required in certain circumstances.

CLICK HERE TO MEET OUR MORTGAGE SPECIALISTS.



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The online application process is EASY! We’ll first ask you a few important questions about your financial standing. It’s painless and relatively fast. Should you need to step away from the application process at any time, you may save the application for review, and then return at any time to complete it.

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APR = Annual Percentage Rate. Does not apply to home equity lines of credit (HELOCs). Rate is for the life of the loan. Terms are 5, 15 and 20 years. Minimum loan amount is $10,000. If loan is paid in full within one year of the date of the loan, a pre-payment penalty up to $1,000 may apply. Home Equity Loan payment example: $60,000 borrowed for a 5-year term at 5.00% APR, sample monthly payment would equal $1,132.28.
 ** No closing costs for loans up to $100,000 (2nd mortgages only). For loans over $100,000, the estimated fees and costs to open the loan are between $1,000 and $2,500. Borrower is required to pay  title insurance on home equity loans and HELOCs greater than $100,000. Property insurance is required, and flood insurance may be required depending upon the location of the property. The amount of a home equity loan is based on the current market value of the property, less the amount of any current mortgages and other liens on the property. Please consult your tax advisor and IRS Publication 936 (Home Mortgage Interest Deduction) regarding interest deductibility. Our current HELOC APR varies, depending on creditworthiness criteria and the HELOC type selected. HELOCs have a variable APR; the maximum HELOC APR is 17.9%. All rates and terms are subject to change without notice; please contact the Credit Union for current rates and terms. Credit subject to approval. Other restrictions may apply. A home equity loan is secured by a lien on your home. Full appraisal, paid by applicant, may be required in certain circumstances.

† APR = Annual Percentage Rate. This product is designed for the purchase and limited cash-out refinance of new construction or existing residential properties. These homes must be built to the standards of the National Home Energy Rating Standards (HERS). All requirements of the standard checklist must be met, and a HERS Index of 85 or better must be obtained in accordance with the Energy Star Performance Requirements. This loan applies to a one-unit, owner-occupied, primary residence; fixed rate mortgages that have a term of 30 years and do not include interest-only option; maximum loan-to-value/combined-loan-to-value 95%. Energy efficient mortgage loan payment example: $200,000 borrowed for a 30-year term at 6.50% APR, sample monthly payment would equal $1,264.14.

Appraisal may be required, and fee is the responsibility of the member.