Loan amounts between $15,000 and $500,000.
Rates and Terms here.
*Adjustable loan rate APR of 5.199% –– calculated at $50,000 and assuming primary residence, 10-year “draw” period, and maximum 15-year life of loan (total of 25 years). Lower APR if paid off sooner. $500 processing fee, county-specific recording fee, and appraisal report (if applicable) for loans to $250K; plus appraisal fee (if applicable) for loans above $250K.
Contemplating a purchase or refinance? A home equity line of credit or second? Just want to lower your rate? Let's talk about your unique situation.
Our in-house mortgage loan officers, underwriters and processors are the most experienced team you can find locally. They know every nook, cranny, title & escrow company, inspector – and how to get a low-cost mortgage loan done for you.
Have a CFCU mortgage loan that is being serviced by Cenlar? Click here to land on their payment page.
Explore our wide array of loan programs!
Need low-rate 30 year fixed loan? Or customized financing for that unique property? Or maybe you're a first time home buyer. We offer the following:
If you’re a homeowner, you can borrow against the equity you’ve built up in your home for a variety of financing needs.
Use a Home Equity Line of Credit for home improvements, college tuition, vacation, debt consolidation, or any number of other major expenditures!
We also offer a Closed-End Second Mortgage Loan.
A Cash-Out Home Loan Opens a World of Possibilities!
It’s no secret that homes have appreciated in the past few years. Your home today is most likely worth a lot more now than it was just 24 to 36 months ago. What does that mean? It means you can tap into the equity of your home’s new higher value. This is commonly done through a home equity line of credit (HELOC) or a cash-out refinance.
A HELOC has a shorter payback period than a mortgage, so the rate is typically higher. Whereas a cash-out refinance is amortized as a new 15- or 30-year first mortgage loan.
A cash-out refinance is a handy option to consolidate old debt, remodel your kitchen, retire a higher education loan, second mortgage ... the possibilities are endless. Community First will make the process easy for you!
We have Mortgage Loan Officers in nearly all of our branches. They are home loan professionals who can walk you through every step of the way and answer any questions you may have.
Introducing our innovative LOT LOAN...
Our unique lot loan is here to help our local residents finance the purchase of a vacant lot. The recent firestorms destroyed over 8,000 neighborhood homes, now there’s a building-block loan to rebuild these needed homes!
The ultimate when it comes to peace of mind! Turn the equity in your home into cash WITHOUT having to move out or make monthly payments.
To find out if a Reverse Mortgage is best for you, contact one of our veteran mortgage loan officers.
Should you decide a Reverse Mortgage is right for you, we work with a third-party specialist who lives/breathes this stuff: Alliance Reverse Mortgage.
Community First is in good standing with the National Mortgage Licensing System; our institutional identifier is #512342.