Types of Mortgages

The purchase of a new home may be the largest investment you make in your lifetime. At Community First, we’ll provide you with complete and personalized mortgage service. We offer a wide range of mortgage options to suit your needs.

Even better - all of our mortgages are locally approved!

Getting Started

We know that taking out a mortgage can be stressful and sometimes confusing, so from consultation to closing, our Financial Service Representatives will make the process easy.

Just call or visit one of our experienced and professional Financial Service Representatives, in our Retail Sales department at any of our branch locations.

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Open Fixed Rate Mortgages

Enjoy the security of knowing how much of your mortgage will be paid off at the end of your term.

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Fixed Rate Mortgages

You like knowing exactly what your mortgage payments are going to be for a pre-defined period of time and don't want to risk changing interest rates.

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Fixed Rate Second Mortgages

A second mortgage is a secured loan that sits behind an existing mortgage.

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Open Variable Rate Mortgages

You feel comfortable with an interest rate that varies during the term of a mortgage, knowing that there is a potential for savings on interest costs.

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Shielded Mortgage

Our 5 Year Shielded Rate Mortgage allows members to take advantage of low interest rates, but also protects them when rates begin to rise. The interest rate will never exceed the predetermined ceiling rate.

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Convertible Mortgage

A new twist on our variable rate mortgage!

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MeritLine of Credit

At rates better than most retail credit cards, a home equity Line of Credit can finance other important purchases, like renovations, vacations, and paying off higher-interest credit.

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Construction Mortgages

Our mortgage experts know prefabricated construction mortgages, and they'll take the time to guide you through the process.

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Purchase Plus Improvements Mortgage

We can help qualified home buyers make their new homes just right for them, with tailored improvements, immediately after taking possession of their purchased property.

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