First Mortgage Loans
Don't make a move until you check out our home loan solutions for purchasing or refinancing.
As a member-owned, not-for-profit financial cooperative, our goal is to provide you with efficient, trusted service, AND great pricing.
Purchase
Before you select a real estate agent, register for HomeAdvantage® so you won't miss out on HomeAdvantage Cash Rewards at closing.¹ You'll also get help with every aspect of the home buying experience from start to finish. Search the MLS, research neighborhoods, connect with an experienced agent, and get great financing from CCU - all in one place!
Refinance
Get better loan terms or cash out using your home's equity with 10, 15, 20, or 30 year refinance options.
| Mortgage Loan Options | Features |
|---|---|
| Conventional Fixed Rate | Save money with $1,200 flat-fee lender costs², apply online or by phone |
| No Closing Cost | Less money required at closing |
| Community Hero |
Affordable, up to 100% financing³ for homebuyers who work in the fields of law enforcement, safety, education, medicine, military, and employees of registered non-profit agencies |
| Jumbo | Great terms and rates for borrowers needing to finance $806,501 or more |
| Construction - Permanent |
Finance the construction of a new home |
| VA and FHA loans | Low down payment |
What do you need in your home mortgage loan?
With Community Credit Union of Florida, you can have it all, including:
- One low fee for lender costs²
- Highly competitive rates
- Fast, easy application online or by phone 24/7
- Closing in 30 days*
- Up to 97% LTV with PMI
- No prepayment penalties
- Local decisions and flexible underwriting
- Loan servicing through CCU
- Financing for single family home, 2-4 family residences, townhouses, and condos
Loan features vary based on the loan type selected and other criteria.
See our low rates!
Speak to a Mortgage Specialist
24 hours a day, 7 days a week
321.690.2328, choose option 3 then press 1
Good To Know:
After you submit your loan application, we may need your tax returns for the last two years and pay stubs for the last two pay periods.
First time home buyer?
We can help! Call 321-690-2328, choose option 3, then press 1 to speak to a mortgage specialist.
Apply for financing for vacant lots.
Getting the Best Rate
If you do not have a formal loan estimate from a lender, you do NOT have a true rate quote. Also, rate is not the full story when considering the total cost of a loan. A low rate may come with high points, which you must pay at closing. Basically, you are buying down the rate by paying more at closing. Depending on your financial situation and how long you intend to stay in the home, this may be an acceptable option. But, make sure you carefully review your loan estimate to fully understand what you will owe at closing. CCU would be happy to review a loan estimate you have obtained from another lender. And we won’t judge.
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Membership available in Brevard, Indian River, Orange, Osceola, Polk, and Volusia Counties of Florida. A one-time membership fee is required.
¹HomeAdvantage® is available to you through your membership with Community Credit Union. Cash Rewards are available to members who register to use HomeAdvantage and who use a real estate agent in the HomeAdvantage network to buy or sell their home. Using Community Credit Union for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. Community Credit Union may have specific rules on how your Cash Rewards will be paid out. Cash Rewards are void where prohibited by law or the lender. Please consult with CCU to get details that may affect you.Equal Housing Opportunity.
²No additional costs such as application, processing, underwriting or doc prep fees. Third-party costs, such as appraisal, inspection, title fees, and prepaid items such as real estate escrows for hazard/flood or mortgage insurance premiums are the responsibility of the borrower. Available for residential mortgages only.
³100% financing available with specific mortgage loan programs to qualified borrowers. A rate increase may apply to loans with a Loan to Value (LTV) above 80%.
*Borrowers and associated parties must provide documentation in accordance with CCU requirements.
