Exclusive Mortgage Offers for Bay County Residents

Looking to buy or refinance in Bay County? First Commerce is offering special mortgage rates for a limited-time — 5.75% APR* for 30-year fixed mortgages and 4.875% APR* for 15-year fixed mortgages — exclusively for primary residences in the area. Our lending team is here to help you reach your financial goals with expert guidance and quick, local decisions.

Your Local Mortgage Expert

Tewai G. Asinas

Tewai G. Asinas

Mortgage Loan Originator

Office: 850.488.0035, Ext. 1099 Cell: 561.676.4922
tgasinas@firstcommercecu.org
NMLS # 1573670

Tewai G. Asinas

Mortgage Loan Originator

Office: 850.488.0035, Ext. 1099 Cell: 561.676.4922
tgasinas@firstcommercecu.org
NMLS # 1573670

Required Documentation

All Borrowers:If Purchasing:If Refinancing:
  • 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 preapproval 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.

All Borrowers:
  • 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.
If Purchasing:
  • ORIGINAL CONTRACT FOR PURCHASE with all addendums: We recommend that you obtain preapproval 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.
If Refinancing:
  • 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.
Member Testimonial

Member Testimonial

“I’m in the process of buying my first home and I can’t say thank you enough to the First Commerce team for all their help. They have been on this journey with me for months and have taken the time to help with different options, and what is best for me and my family.”

Your Financial Partner for Life

Established in 1940, First Commerce is a full-service, not-for-profit credit union with locations across North Florida and South Georgia. We are a member-owned cooperative and committed to the communities we serve. Our purpose is to empower people to enhance their financial well-being by helping them achieve their financial goals – whether it’s simplifying their day-to-day finances, buying their first car or home, or building a great retirement. When you bank with First Commerce, you get a truly personal experience backed by 85 years of financial expertise.

Your Financial Partner for Life
*APR = Annual Percentage Rate. All mortgages are subject to our standard underwriting criteria, LTV limitations, lien position, property use and location – ask your Lender for details. 30 year fixed payment example: 360 monthly payments of $5.84 each per $1,000 borrowed. Rates are subject to change. Terms and conditions are subject to change without notice. Equal Housing Opportunity Lender.