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Community Hero Mortgage Loan

This exclusive home financing from Community Credit Union of Florida provides affordable financing for first-time homebuyers¹ who work in the fields of law enforcement, safety, education, medicine, military, and for anyone who works for a registered non-profit agency. A first-time homebuyer is anyone who has not owned a home in the past three years. If you're not a first-time homebuyer, we have other low-cost options for you!

Features and Requirements:

  • No down payment (Up to 100% financing)
  • Option to finance closing costs
  • Financing up to $250,000
  • No private mortgage insurance
  • Fixed rate for 30 years
  • Available for purchase and construction loans
  • No prepayment penalty
  • Subject to receipt and satisfactory review of approved appraisal
  • Borrower must meet employment eligibility requirements (shown below)
  • Membership is required with Direct Deposit into a CCU direct deposit checking account
  • Completion of homebuyer's education class (certificate required)
Check out our low rates!

Community Hero eligibility requirements:

Law Enforcement:
Includes officers that work for a city, county, state, federal, jail or courthouse.
Includes officers that patrol, work at a desk, supervise, dispatch, detective, or those other positions that directly impact public safety. 

Includes the forestry department.
Includes positions within the department that directly impact public safety.

Teachers and Educational Employees:
Includes private or public certified teachers Pre-K to University level.
All employees of any school in our service area.
Does not include daycare providers.

Medical Field:
Must work directly or indirectly with the well-being and care of human patients.
Typically the individuals will have a license or certificate.


Retired military, active duty military, reserve duty military, does not include civil servants

Non-Profit Affiliation:
Must be an employee of a legally registered non-profit agency

If you are not in any of the categories above, we can still assist you with a low-down-payment mortgage, including VA Mortgage Loans.  Please contact a Mortgage Specialist for help in finding a solution that meets your needs. 

How to Apply for a Community Credit Union of Florida Home Mortgage:

Speak to a Mortgage Specialist 24 hours a day, 7 days a week:  321.690.2328 (outside Brevard, 800.690.2338).

Apply Online:  Click the Apply Online image below.

¹A first time homebuyer is anyone who has not owned a home in the past three years. *Up to 100% financing (up to $250,000). Borrower pays any prepaid costs that may apply to the particular loan such as taxes and insurance premiums. Subject to receipt and satisfactory review of approved appraisal. Requires completion of online Budget Worksheet and 1st Time Homebuyer Education courses. Membership share account with a one-time fee of $5 is required. Direct deposit into a CCU checking account is required.

24-Hour Account Information: 321.631.4611

Member Services: 321.690.2328 / 800.690.2338

Apply for a Loan: 321.637.3211

Routing Number: 263182037

Equal Housing Lender
Click for the BBB Business Review of this Credit Unions in Rockledge FL