First Mortgage Center

We’ve Simplified the Home-Buying Process

First Florida Credit Union simplifies the home buying process by providing you resources, information, and more mortgage options than ever before.  We know you have a lot riding on your decision. Whether you are buying, refinancing, or relocating– our expert, friendly staff will help you determine the best loan program to meet your needs.

At our First Mortgage Center you can:

  • Get current mortgage rates
  • Apply online and get a quick pre-approval
    (Set up your unique User ID and Password, so you can come back to the application and fill it out at your pace.)
  • Get comprehensive information from our resource center to help your understand the mortgage process

Right at Home

You’re going to feel right at home with a First Florida mortgage loan.  Not only will we pay up to $5,000 of your 1st mortgage closing costs, our friendly and professional staff will help you with:

  • The Right Term
  • The Right Rate
  • The Right Advice

Discover the options available to you by calling (800) 766-4328, ext. 5 [in Jacksonville, (904) 359-6800, ext. 5]; stopping by a branch near you or applying online.


Closing Costs
First Florida will pay certain closing costs and expenses (up to 1.0% of the loan amount or a maximum of $5,000, whichever is less) to third parties associated with the note and the mortgage. Costs and expenses paid by First Florida shall not exceed $5,000 and shall not include origination fees, discount points, prepaid interest, private mortgage insurance premiums, or initial deposit required to set up an escrow account. Contact the credit union for a list of closing costs covered by offer. A non-refundable fee to cover appraisal and credit report is collected during the application process and will be credited back to the borrower on the closing disclosure at loan closing. If the loan is paid in full within the first 36 months of loan closing, borrower will be required to repay First Florida 1.00% of the original loan amount.
Offer available only when obtaining a First Florida Conventional 1st Mortgage Loan for terms of 10, 15, 20, or 30 years; excludes loans exceeding $500,000 and FHA, USDA, VA, Land/Lot, Home Equity Line of Credit, and Home Equity Loans. Offer applies only to owner-occupied, primary residential properties: excludes manufactured homes, 2nd homes, vacation homes, and investment properties. Offer does not apply to mortgage loans already financed by First Florida or its divisions.
Offer does not apply to applications submitted before August 7, 2015. Offer can change or be withdrawn at any time without prior notice. Minimum floor rates and certain restrictions apply; contact the credit union for details. Loan approval is subject to credit approval.