Home Loan Guide

We know that the home buying process can seem overwhelming. That's why we've created a helpful home loan guide that's filled with resources to help you get started and find the right mortgage for you.

Mortgage calculator

CLICK HERE to see how much house you can afford. Which Mortgage is Better for Me?


Am I eligible for membership at Community First Credit Union?

Community First Credit Union membership is open to anyone who lives, works, or attends school in one of the following Florida 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 employees of Brooks Rehabilitation, Miller Electric Company, and Web.com. Not sure if you qualify? Contact us.

What do I need to apply for a mortgage?
When applying for a mortgage with Community First Credit, it is helpful to have the following information on hand:
  • Your social security number
  • Valid United States Driver's License, Permanent Resident Card, or United States Passport
  • Your annual income
It's also helpful to begin gathering the following documents:
  • W-2 forms from the previous two years, if you collect a paycheck
  • Profit and loss statements or 1099 forms, if you own a business
  • Recent paycheck stubs
  • Your two most recent tax returns
  • A complete list of your debts, including credit cards, student loans, car loans, and child support payments, along with minimum monthly payments and balances
  • Lists of your assets, including bank statements, mutual fund statements, real estate and automobile titles, brokerage statements, and records of other investments or assets
Other documents may be required depending on the type of loan you're applying for and your financial situation. While the paperwork needed may seem daunting, you'll have a dedicated Home Mortgage Advisor who will guide you every step of the way and can identify what you need.
How can I request a Mortgage Pay Off Statement?
There are three easy ways to request a Mortgage Pay Off Statement at Community First. Choose the one that’s best for you below:
  1. Contact our Automated Payoff System at 877-772-9633 
    • There is no fee for faxed payoff requests.
  2. Reach out to our Member Service team at 866-843-2513
  3. Log into our Online Banking or Mobile Banking app.
    Then, navigate to your mortgage account and select “Download Payoff Statements.”