Home Sweet Home

First Commerce makes it easy to buy, refinance, or build the home of your dreams! We’ll even help you determine which option is best to reach goals such as home improvement, debt consolidation, paying for college, and more. Our lending team will provide step-by-step guidance, plus fast local decisions.


Ready to Buy the Home of Your Dreams?

Competitive Rates

Flexible Terms

Easy Online Application

Fixed and Adjustable Rates, Jumbo Loans

FHA, VA, and USDA Loans

Fast Local Decisions

Welcome Home

Welcome Home

Whether you’ve purchased a home before, this is your first time, or you are refinancing your mortgage, First Commerce is here to help! We offer competitive low rates, quick local decisions, and loan preapproval for qualifying applicants.

Apply Today See Rates

Access Your Home’s Equity

You’ve put a lot into building the equity in your home. Put that equity to work for you! Home equity loans and lines of credit can be used for any purpose: home improvements, education expenses, debt consolidation, that trip you’ve always wanted to take, and more.

Apply Today See Rates
Access Your Home’s Equity
This Land Is Your Land…

This Land Is Your Land…

Ready to claim your piece of paradise? We can help make it happen. First Commerce offers competitive rates and flexible terms with up to 90% financing for undeveloped property located in Florida or Georgia. Our experienced loan officers can help you find the right financing option to meet your needs.

Apply Today See Rates

Meet Our Mortgage Team

Barbara Williams-Anderson

Barbara Williams-Anderson

Market Executive

Office: 850.488.0035, Ext. 3576 Cell: 229.224.8778
banderson@firstcommercecu.org
NMLS #664178

Jessica Dell

Jessica Dell

Mortgage Loan Originator

Office: 850.488.0035, Ext. 1231 Cell: 850.728.8434
jdell@firstcommercecu.org
NMLS #1111560

Stephen Parker

Stephen Parker

Mortgage Loan Originator

Office: 850.488.0035, Ext. 1263 Cell: 850.544.0937
sparker@firstcommercecu.org
NMLS #1041964

Barbara Williams-Anderson

Market Executive

Office: 850.488.0035, Ext. 3576 Cell: 229.224.8778
banderson@firstcommercecu.org
NMLS #664178

Jessica Dell

Mortgage Loan Originator

Office: 850.488.0035, Ext. 1231 Cell: 850.728.8434
jdell@firstcommercecu.org
NMLS #1111560

Stephen Parker

Mortgage Loan Originator

Office: 850.488.0035, Ext. 1263 Cell: 850.544.0937
sparker@firstcommercecu.org
NMLS #1041964

Financing Options to Meet Your Needs

Mortgage Loans

If you’re ready to buy a home, or a second home, we offer flexible financing options and terms up to 30 years.

  • Term – 15 Years Fixed Rate (5.625%–5.750%)/20 Years Fixed Rate (5.750%–5.875%)/30 Years Fixed Rate (6.125%–6.250%)
  • APR – 5.779%–5.886%/5.905%–5.984%/6.234%–6.336%
  • Points
    • 0.000%–0.125%/0.000%–0.375%/0.000%–0.250%
    • 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
  • Legal/disclosures – 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. Equal Housing Opportunity. NMLS# 774895

Home Equity Loans

A home equity loan allows you to borrow a set amount of money against the value of your home for a fixed period of time. Available for primary, secondary, and vacation homes located in Florida and Georgia.

  • Term – 5 years or less/5–10 years/10–15 years/15–20 years*/30 years*
  • APR – 5.74%–11.99%/ 6.74%–12.99%/ 7.24%–12.99%/ 8.24%–12.99%/ 9.24%–10.74%
  • Amount borrowed – Up to 90% of market value/ Up to 90% of market value/ Up to 90% of market value/ Up to 90% of market value/ Up to 80% of market value
  • Payment example
    • (Per $1,000 Borrowed) $19.21–$22.24/ $11.48–$14.93/ $9.12-$12.65/ $8.51–$11.71/ $8.22–$9.33
    • Fixed interest rates
    • No closing costs (we’ll pay them for you)*
    • Maximum loan amount of $500,000
    • 2nd lien positions only
  • Legal/disclosures – *Minimum loan of $40,000 for 20 years; $75,000 for 30-year terms. Your rate will be determined after credit review, term selection and final total Loan-to-value
    *Loan amounts range from $10,000 to $500,000. Your rate is based on what percentage of your home’s equity is being used, term and a review of your credit application. First Commerce pays all typical closing costs. Typical closing costs will not include a new title policy if you cannot provide an existing one, a new survey or full appraisal, should any of these become necessary. Contact a Financial Services Officer for details.

Land Loans for fixed land loan rates

If you have dreams of owning property and building a home one day, we can help you get one step closer.

  • Term – 5 years or less/5–10 years/15–20 years ($40,000 minimum)
  • APR
    • 8.99%–15.99%/9.99%–16.99%/10.49%–17.99%
    • Amount borrowed
  • Payment example/other rate info/Points (Payment per $1,000 borrowed) – $20.76–$24.73/$13.22–$24.59/$11.06–$16.08
  • Legal/disclosures – Loans available to purchase vacant lots or land, as well as loans to pull out the equity in a parcel you already own. We will finance up to 90% of the appraised value. Florida and Georgia properties in FCCU field of membership only. Contact a Financial Services Officer for details. The rate you receive is determined by a credit review and the term of your loan.

Milestone Mortgage

Own your home free and clear sooner! Available for primary residences located in Florida and Georgia.

  • Term – 5 years/7 years/10 years
  • APR – 3.24%–3.99%/ 3.74%–4.74%/ 4.24%–4.99%
  • Amount borrowed – Up to 75% of market value/ Up to 75% of market value/ Up to 75% of market value
  • Payment example
    • (Per $1,000 Borrowed) $18.04–$18.42/$13.55–$14.02/$10.24–$10.61
    • Fixed interest rates
    • No closing costs (we’ll pay them for you)*
    • Maximum loan amount of $250,000
    • 1st lien position only
  • Legal/disclosures – The payments do not include amounts for taxes or insurance premiums, so your total payment obligation will be greater. Borrower will be responsible for these additional expenses separately from their payment to First Commerce Credit Union.
    *Loan amounts range from $10,000 to $250,000, and your rate is based on term and a review of your credit application. First Commerce pays all typical closing costs. Typical closing costs will not include a new title policy if you cannot provide an existing one, a new survey or full appraisal, should any of these become necessary. Call a Financial Services Officer for details.

Home Equity Lines of Credit (HELOC)

A home equity line of credit gives you the flexibility to use your home’s equity whenever it’s convenient for you instead of borrowing a set amount of money all at once.

  • Term – Up to 20 years
  • APR – As low as 5.00%
  • Amount borrowed – $10,000 – $500,000 (up to 90% of market value)
  • Other rate info
    • 2% annual cap 6% lifetime cap 5.00% minimum/18% maximum
    • Lines up to 90% of your home’s value
    • Variable interest rate
    • No closing costs with $10,000 initial advance*
    • Subsequent advances at any time (minimum $500)
    • Available for primary, secondary, or vacation homes located in Florida and Georgia
    • Maximum amount of $500,000
  • Legal/disclosures – Rate fluctuates quarterly based on Wall Street Journal Prime rate plus a margin ranging from 0.25% to +1.0% with a floor of 5.00%.
    *Rate determined by Loan-to-Value (LTV) and a review of your credit application; LTV maximum determined after a review of your individual situation. Loan amounts range from $10,000 to $500,000. Up to 90% of the value of your home, less 1st mortgage balance can be used to establish the line. First Commerce pays all typical closing costs, if not paid off during the first three years. Typical closing costs will not include a new title policy if you cannot provide an existing one, a new survey or full appraisal, should any of these become necessary. Contact a Financial Services Officer for details.

Mortgage Loans

If you’re ready to buy a home, or a second home, we offer flexible financing options and terms up to 30 years.

  • Term – 15 Years Fixed Rate (5.625%–5.750%)/20 Years Fixed Rate (5.750%–5.875%)/30 Years Fixed Rate (6.125%–6.250%)
  • APR – 5.779%–5.886%/5.905%–5.984%/6.234%–6.336%
  • Points
    • 0.000%–0.125%/0.000%–0.375%/0.000%–0.250%
    • 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
  • Legal/disclosures – 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. Equal Housing Opportunity. NMLS# 774895

Milestone Mortgage

Own your home free and clear sooner! Available for primary residences located in Florida and Georgia.

  • Term – 5 years/7 years/10 years
  • APR – 3.24%–3.99%/ 3.74%–4.74%/ 4.24%–4.99%
  • Amount borrowed – Up to 75% of market value/ Up to 75% of market value/ Up to 75% of market value
  • Payment example
    • (Per $1,000 Borrowed) $18.04–$18.42/$13.55–$14.02/$10.24–$10.61
    • Fixed interest rates
    • No closing costs (we’ll pay them for you)*
    • Maximum loan amount of $250,000
    • 1st lien position only
  • Legal/disclosures – The payments do not include amounts for taxes or insurance premiums, so your total payment obligation will be greater. Borrower will be responsible for these additional expenses separately from their payment to First Commerce Credit Union.
    *Loan amounts range from $10,000 to $250,000, and your rate is based on term and a review of your credit application. First Commerce pays all typical closing costs. Typical closing costs will not include a new title policy if you cannot provide an existing one, a new survey or full appraisal, should any of these become necessary. Call a Financial Services Officer for details.

Home Equity Loans

A home equity loan allows you to borrow a set amount of money against the value of your home for a fixed period of time. Available for primary, secondary, and vacation homes located in Florida and Georgia.

  • Term – 5 years or less/5–10 years/10–15 years/15–20 years*/30 years*
  • APR – 5.74%–11.99%/ 6.74%–12.99%/ 7.24%–12.99%/ 8.24%–12.99%/ 9.24%–10.74%
  • Amount borrowed – Up to 90% of market value/ Up to 90% of market value/ Up to 90% of market value/ Up to 90% of market value/ Up to 80% of market value
  • Payment example
    • (Per $1,000 Borrowed) $19.21–$22.24/ $11.48–$14.93/ $9.12-$12.65/ $8.51–$11.71/ $8.22–$9.33
    • Fixed interest rates
    • No closing costs (we’ll pay them for you)*
    • Maximum loan amount of $500,000
    • 2nd lien positions only
  • Legal/disclosures – *Minimum loan of $40,000 for 20 years; $75,000 for 30-year terms. Your rate will be determined after credit review, term selection and final total Loan-to-value
    *Loan amounts range from $10,000 to $500,000. Your rate is based on what percentage of your home’s equity is being used, term and a review of your credit application. First Commerce pays all typical closing costs. Typical closing costs will not include a new title policy if you cannot provide an existing one, a new survey or full appraisal, should any of these become necessary. Contact a Financial Services Officer for details.

Home Equity Lines of Credit (HELOC)

A home equity line of credit gives you the flexibility to use your home’s equity whenever it’s convenient for you instead of borrowing a set amount of money all at once.

  • Term – Up to 20 years
  • APR – As low as 5.00%
  • Amount borrowed – $10,000 – $500,000 (up to 90% of market value)
  • Other rate info
    • 2% annual cap 6% lifetime cap 5.00% minimum/18% maximum
    • Lines up to 90% of your home’s value
    • Variable interest rate
    • No closing costs with $10,000 initial advance*
    • Subsequent advances at any time (minimum $500)
    • Available for primary, secondary, or vacation homes located in Florida and Georgia
    • Maximum amount of $500,000
  • Legal/disclosures – Rate fluctuates quarterly based on Wall Street Journal Prime rate plus a margin ranging from 0.25% to +1.0% with a floor of 5.00%.
    *Rate determined by Loan-to-Value (LTV) and a review of your credit application; LTV maximum determined after a review of your individual situation. Loan amounts range from $10,000 to $500,000. Up to 90% of the value of your home, less 1st mortgage balance can be used to establish the line. First Commerce pays all typical closing costs, if not paid off during the first three years. Typical closing costs will not include a new title policy if you cannot provide an existing one, a new survey or full appraisal, should any of these become necessary. Contact a Financial Services Officer for details.

Land Loans for fixed land loan rates

If you have dreams of owning property and building a home one day, we can help you get one step closer.

  • Term – 5 years or less/5–10 years/15–20 years ($40,000 minimum)
  • APR
    • 8.99%–15.99%/9.99%–16.99%/10.49%–17.99%
    • Amount borrowed
  • Payment example/other rate info/Points (Payment per $1,000 borrowed) – $20.76–$24.73/$13.22–$24.59/$11.06–$16.08
  • Legal/disclosures – Loans available to purchase vacant lots or land, as well as loans to pull out the equity in a parcel you already own. We will finance up to 90% of the appraised value. Florida and Georgia properties in FCCU field of membership only. Contact a Financial Services Officer for details. The rate you receive is determined by a credit review and the term of your loan.

Rates are accurate as of December 2, 2022 and are subject to change without notice.

Required Documentation

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.”

Let’s Get Started

We make home loans simple. Apply online in 15 minutes!

Discover More Possibilities

Explore Our Checking Accounts

Explore Our Checking Accounts

Try our Account Chooser to find the perfect account for you.

Digital & Mobile Banking

Digital & Mobile Banking

Find out what First Commerce’s powerful Digital Banking tools can do for you.

The Power To Reach Your Financial Goals

The Power To Reach Your Financial Goals

Learn how to reach your financial goals with free financial education tips and resources from the FCCU Foundation.

Explore Our Checking Accounts

Explore Our Checking Accounts

Try our Account Chooser to find the perfect account for you.

Digital & Mobile Banking

Digital & Mobile Banking

Find out what First Commerce’s powerful Digital Banking tools can do for you.

The Power To Reach Your Financial Goals

The Power To Reach Your Financial Goals

Learn how to reach your financial goals with free financial education tips and resources from the FCCU Foundation.


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 80 years of financial expertise.

Your Financial Partner for Life