First Mortgage Loans

Don't make a move until you check out the home financing options available to you from Community Credit Union of Florida. You will find home mortgage solutions here that simply are not available from other lenders.

What do you need in your home mortgage loan? With Community Credit Union of Florida, you can have it all, including:

• No down payment
• Financed closing costs
• Fast 24/7 application
• Flexible underwriting
• A cash rebate at closing

As a member-owned, not-for-profit financial cooperative, our goal is to provide you with efficient, trusted service AND great pricing.

FAST Application: Apply online, on the CCU mobile app or by phone 24/7. We can get you to closing in 30 days!*

LOCAL Decisions: Our flexible underwriting and commitment to our members make us easy to work with.

$AVE Money:  One low fee for lender costs¹ no matter what amount you finance, highly competitive rates, programs that provide up to 100% financing with no PMI requirement², terms up to 40 years, discounts on agent fees with HomeAdvantage™ and more all work together to provide you with affordable financing.

Check out our low rates!
 

CCU's First Mortgage features:

• Fast, easy application online or by phone 24/7
• Minimal down payment
• Low closing costs
• 1.5% closing cost credit option available³
• Financing up to 100% available²
• NO prepayment penalties
• Repayment terms up to 40 years (not available for all loan products)
• Financing for single family home, 2-4 family residences, townhouses, and condos
• Loans for purchase, construction, and refinance
• Free use of CCU's HomeAdvantage^TM Program

Loan Programs Include:

• Conventional fixed-rate
• Construction - Permanent loans
• First-time homebuyer programs, including our exclusive Community Hero Loan
• Low closing cost option (finance your closing costs)
• Vacant Lot loans
• VA and FHA loans
• Jumbo loans
• Our exclusive HomeFree refinance program

Loan features vary based on the loan type selected and other criteria. 

Good To Know:
After you submit your loan application, we may need some or all of the following information as part of the loan approval process:

• Tax returns for the last two years
• Pay stubs for the last two pay periods

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

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10 Things that Put Your Mortgage Application at Risk
Keeping your finances stable and answering questions from the lender quickly and accurately are the keys to owning your new home. Click or tap here to learn about some "ordinary" activities that can affect the final approval of your mortgage.

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Register for our free HomeAdvantage program to get help with every aspect of the home buying experience from start to finish. Search the MLS, research neighborhoods, connect with an experienced agent, earn a rebate, and get great financing from CCU - all in one place!

 

To apply for financing for vacant lots, please click or tap here.

 

*Borrowers and associated parties must provide documentation in accordance with CCU requirements.

¹No 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.

²100% financing available with specific mortgage loan programs to qualified borrowers. A rate increase of 0.25% will apply to loans with a Loan to Value (LTV) above 80%.

³A rate increase of 0.375% will apply if borrower chooses the 1.5% closing cost credit option.