Explore Mortgage Options for Tallahassee
Find the Right Term for You
- 15 year
- 20 year
- 30 year
Purchase, Refinance, or Cash Out
- Fixed-Rate Mortgage
- Rate-and-Term Refinance
- Cash-Out Refinance
First Time Buyers
- FHA loans
- VA loans
- Rural Housing (USDA) loans
Experienced, Local Lenders Guiding You Every Step of the Way
Purchasing a home is likely to be among the most important transactions you will make in your lifetime. You’ll want the expertise and guidance of someone who knows the community where you want to live.First Commerce’s mortgage loan experts live and work in North Florida and are ready to help tailor your mortgage experience to fit your life.This means you’re not just getting generic advice—you’re getting support that’s rooted in your community.
Ready to Buy Your Tallahassee Dream Home?
Competitive Rates
Flexible Terms
Easy Online Application
Conventional Fixed Rates and Jumbo Loans
FHA, VA, and USDA Loans
Fast Local Decisions
First Mortgage? First Commerce.
Buying your first home is a big milestone — and we’re here to make it exciting, not overwhelming.
We don’t believe in one-size-fits-all solutions. That’s why we take the time to talk with you, understand your goals, and tailor your mortgage experience to fit your life. When we know you, we can help you better — and that makes the whole process smoother, faster, and more rewarding.
Let’s start the conversation. Your first home is closer than you think.
Get StartedLocal Tallahassee Area Mortgage Lenders
Barbara Williams-Anderson
Market Executive
Office: 850.488.0035, Ext. 3576 Cell: 229.224.8778
banderson@firstcommercecu.org
NMLS #664178
Stephen Parker
Mortgage Loan Originator
Office: 850.488.0035, Ext. 1263 Cell: 850.544.0937
sparker@firstcommercecu.org
NMLS #1041964
Tewai G. Asinas
Mortgage Loan Originator
Office: 850.488.0035, Ext. 1099 Cell: 561.676.4922
tgasinas@firstcommercecu.org
NMLS #1573670
Barbara Williams-Anderson
Market Executive
Office: 850.488.0035, Ext. 3576 Cell: 229.224.8778
banderson@firstcommercecu.org
NMLS #664178
Stephen Parker
Mortgage Loan Originator
Office: 850.488.0035, Ext. 1263 Cell: 850.544.0937
sparker@firstcommercecu.org
NMLS #1041964
Tewai G. Asinas
Mortgage Loan Originator
Office: 850.488.0035, Ext. 1099 Cell: 561.676.4922
tgasinas@firstcommercecu.org
NMLS #1573670
Reach Your Home Ownership Goals
Understanding Mortgages
This course prepares potential homebuyers and current homeowners alike for the financial impact of such a major purchase, with a focus on securing financing.
Home Affordability Tool
Want to learn how much house you can afford? We’ll break down a home’s price tag and show what your monthly payment might be.
Home Buying Costs to Consider
This guide outlines key expenses like inspection fees, closing costs, taxes, insurance, and repairs to help you better prepare for homeownership.
Understanding Mortgages
This course prepares potential homebuyers and current homeowners alike for the financial impact of such a major purchase, with a focus on securing financing.
Home Affordability Tool
Want to learn how much house you can afford? We’ll break down a home’s price tag and show what your monthly payment might be.
Home Buying Costs to Consider
This guide outlines key expenses like inspection fees, closing costs, taxes, insurance, and repairs to help you better prepare for homeownership.
Frequently Asked Questions
We offer a variety of mortgage options to fit your needs — whether you’re buying your first home, looking for more space, refinancing, or building. Our lineup includes fixed-rate and adjustable-rate mortgages, FHA and VA loans, construction loans, and more. Our local mortgage experts can help you find the best fit for your goals and budget.
Credit unions are member-owned, which means our focus is on helping you, not on maximizing profits. That often means competitive rates, lower fees, and local personalized service. You’re not just a customer — you’re a member and an owner.
Start by talking with one of our local mortgage experts. We can help you review your income, monthly expenses, and credit to determine what fits comfortably within your budget. We can also provide a prequalification or preapproval to help you shop with confidence.
A prequalification gives you an estimate of what you might be able to borrow based on basic information. A preapproval goes a step further — it involves a credit check and documentation review, giving you a stronger position when you’re ready to make an offer.
Yes! Refinancing may help you lower your rate, reduce your payment, shorten your loan term, or access equity for major expenses or renovations. Our team can help you evaluate whether refinancing makes sense for your situation.
Absolutely! We love helping first-time buyers navigate the process with confidence. We offer educational support, competitive loan options, and guidance on programs that can make buying your first home easier and more affordable. Buying your first home in Florida can be exciting but overwhelming. Here are a few local tips:
Florida Homestead Exemption: Once you buy, you may qualify for a significant property tax break.
Hurricane Insurance: Make sure to understand windstorm and flood insurance requirements—common in the Tallahassee area.
Local Programs: You may be eligible for state or county programs that offer down payment or closing cost assistance.
Our lending team will walk you through each step to ensure you’re taking advantage of all available benefits.
Required Documentation
- 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.
