Mortgage Loans

Special offer: Now through May 31, receive a $750 credit at closing* when you finance your mortgage with us!

At First Commerce, we're committed to making the mortgage process as stress-free as possible so you can focus on enjoying the experience of becoming a homeowner. Whether you've purchased a home before, this is your first time, or you are refinancing your mortgage, we're here to help!

With a mortgage from First Commerce you'll get:

  • Assistance from experienced local loan officers
  • Simple application process
  • Quick local decisions
  • Competitive low rates
  • Free financial education from the FCCU Foundation and our partner EverFi!
  • Fixed-Rate Mortgage (FRM) and Adjustable Rate Mortgage (ARM)
      • Purchase, refinance, or cash out: up to 30 year terms
  • First-time Homebuyer Solutions
    • FHA loans, VA loans, and Rural Housing (USDA) loans.
  • Jumbo Loans
    • Fixed rate and adjustable-rate loans that can accommodate up to $1,500,000.
      • Primary residence and second home

Apply now and get preapproved. Getting approval for a specific loan amount and loan program lets your Realtor® know that you're serious, and can expedite the homebuying process. Getting pre-approved can be the difference between getting the home of your dreams and watching another buyer walk away with it. Apply today!

Thinking about buying a home? Learn how to reach your financial goals with free financial education from the FCCU Foundation and our partner EverFi!

Own your home free and clear in 10 years! Our Milestone Mortgage is an accelerated payment option with low fixed rates, flexible terms, and no closing costs to help you enjoy your retirement years.

Sign up for Rate Watch to receive notification of rate changes.

Required Documentation

Please provide the following documents to help us process your loan.

  • INCOME VERIFICATION: Paystubs covering most recent 30 days of employment plus Year-to-Date Totals, and the last two years of W-2s or, if self-employed, last two years' tax returns.
  • OTHER DISCLOSURE NOTICES: You will be provided with additional required disclosures. Please read, sign, and return them to your loan officer as soon as possible.
  • ORIGINAL CONTRACT FOR PURCHASE with all addendums: We recommend that you obtain pre-approval first.
  • BANK STATEMENTS: If your down payment is on deposit at a financial institution other than First Commerce, provide a copy of your two most recent bank statements.
  • MORTGAGE STATEMENT: Your most recent mortgage statement showing company name, account number, current mortgage balance, and escrow balances (if applicable).
  • WARRANTY DEED: A copy of the recorded deed, including legal description.
  • SURVEY: A copy of your most recent survey.
  • OWNER'S TITLE INSURANCE POLICY: A copy of the owner's title insurance policy from when you purchased your home.
  • HOMEOWNER'S INSURANCE DECLARATION PAGE: A copy of your current Homeowner's Insurance and Flood Insurance, if applicable. The information should include the insurance agent's name, agent's business address, agent's phone number, the cost of the insurance coverage, and the amount of insurance coverage for your home.

If you have questions or need assistance, please contact our Loan Originators at, 850.488.0035 ext. 1250, 1.800.533.5772, or stop by any of our locations.

Borrower is eligible for a $750 credit at closing on the purchase of a new purchase or refinance, subject to qualification, credit approval and closing. Offer good March 21 – May 31, 2022. Borrower pays initial fees and will receive a $750 credit at closing. This offer cannot be combined with any other offers. This offer is non-transferrable, has no cash value and cannot be redeemed for cash. Limit one credit per transaction. FCCU reserves the right to revoke this offer at any time. All mortgages are subject to our standard underwriting criteria, LTV limitations, lien position, property use and location – ask your Lender for details. Rates are subject to change. Terms and conditions are subject to change without notice. Insured by NCUA. NMLS# 774895