Buying a House. Parents and baby playing in their new house.

If you're looking to purchase a home, you're in the right place. CFE can help you along your path to homeownership. We have dedicated representatives to assist you with all your home buying needs.

How can CFE help you with buying a home?

Chances are you will need a mortgage to get into that house you have your heart set on. CFE can help you determine the best mortgage loan for your unique needs.

First Time Homebuyer

Walk into your first home with the satisfaction of spending less to achieve this. With CFE’s First Time Homebuyer loan you will invest as little as 3% down with affordable closing costs.


Fixed Rate Mortgage Options

CFE’s most popular and low-risk option, the Fixed Rate Mortgage helps you buy a home with ease. With terms ranging from 10, 15, 20, to even 30 years and an interest rate that is fixed throughout, a Fixed Rate Mortgage may be right for you when making your home buying decision.

View Fixed Rate Options

Options for Adjustable-Rate Mortgages

Are you planning to sell your home within 3 to 10 years? CFE’s Adjustable-Rate Mortgage could be the ideal mortgage for you. The rate and payment are fixed for the first 3, 5, 7, or 10 years and adjust annually after that for the remaining term. This option is good for those who do not want to be locked into a Fixed Rate Mortgage.

View Adjustable Rate Options
Low Closing Cost Option

If closing costs are holding you back from purchasing or refinancing a home, we have a solution for you.

View Low Closing Cost Option

HomeAdvantageTM Program

CFE partners HomeAdvantage offers a program where members can select from  a team of real estate agents who can assist the member through the whole home buying process from start to finish

View HomeAdvantage

Lot Loans to Build Your Dream Home

Have you found the perfect piece of land and now you want to plan for future construction? Our Lot Loan will give you the purchasing power to buy the land for your family's dream home. Lot loans are intended only for land to be used for your primary residence. Start building the house of your dreams today.

View Lot Loans

Properties for Sale

Check out properties for sale throughout the Central Florida area.

View Properties

Benefits for home buyers

CFE is your friend in the home buying process. We offer competitive rates, personalized member service, consistent communication, and dedicated staff to assist you throughout your home buying process.

Consider Your Options 

Choosing your financial lender is an important decision when you decide to buy a home. CFE offers a range of mortgage products with competitive interest rates when compared against other lenders.


Get Pre-Approved with CFE before shopping 

Choosing your financial lender is an important decision when you decide to buy a home. CFE offers a range of mortgage products with competitive interest rates when compared against other lenders.

Getting pre-approved with CFE has many other advantages:

  • Impress the Seller: Pre-approved buyers stand out in a multiple-offer scenario where you're up against competition. Arrive prepared and ready to buy with a solid lender
  • Save Processing Time: During the entire sales process, there will be paperwork. And lots of it. Getting pre-approved for a CFE mortgage frees up valuable time so you can focus on other important tasks.
  • Eyes Wide Open Costs: Getting pre-approved will open your eyes to all the costs associated with homeownership. Once pre-approved, you're able to more accurately assess and compare various homes with a better sense of your true budget.

Mortgage Comparisons

Review the advantages of a fixed-rate vs. an adjustable-rate mortgage (ARM).


Fixed Rate 
  • Interest rate remains fixed for life of loan
  • Predictable monthly payments
  • Easy to understand
  • Makes budgeting easier
  • Stability with a set rate
  • No rate surprises
  • Relatively higher interest rate
  • Refinance needed to take advantage of lower rates
  • May be unaffordable in high-rate environment
  • Fewer options to customize for your unique needs

  • Lower interest rates
  • Low initial costs
  • Opportunity to get lower rates without refinancing
  • Opportunity to save and invest extra money
  • Flexible if not planning to live in one place for long
  • Interest rate and payments vary over time
  • Products may be difficult to understand
  • Rates can rise significantly
  • Possibility of owing more than original balance if rates rise
  • Rate caps don’t always apply

Let Us Recommend a few more resources 

CFE’s HomeAdvantage™Program

HomeAdvantage can assist you throughout your home buying process by providing you with an experienced, licensed agent, allowing you to research neighborhoods and schools, and giving you access to MLS listings. Most importantly, you can earn a rebate for buying and selling your home!* Registering with the HomeAdvantage program is easy.


Properties for Sale

Check out our properties for sale throughout Central Florida.

USA.GOV Mortgages

USA.GOV offers home buyers many resources to learn about the home buying process and the financial products you can use to secure the home of your dreams.

Want additional information?

*A HomeAdvantage real estate agent must be used in order to receive a rebate. Program rules can be found at curealty.com.

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