Your Local Mortgage Experts

As a Broker, Community First Home Loans has access to all the top Lenders and Loan programs.

Let us do the rate shopping for you!

Lightning fast approvals and closings

Fast & Easy Process

No prepayment penalty

No Hidden Fees

24/7 Support


About Me

My name is Joe Holtcamp, I opened Community First Home Loans to offer my clients more home loan options than the traditional bank or commercial lending platform. We offer expertise and personalized service that you won’t find with large, impersonal institutions. I have thrived in the mortgage industry for over 20 years and our team has over 100 years of combined mortgage experience. I run my company very lean which leads to more savings for my clients. We understand that securing a mortgage is one of the most significant financial decisions you’ll make in your lifetime. That’s why our Mortgage Consultants are here to guide you every step of the way, ensuring you make the right choice and find the ideal mortgage solution for your unique situation. My commitment is to provide you with exceptional service, transparency, and the most competitive rates. Whether you’re a first-time homebuyer, looking to refinance, or have complex financial requirements, we have the knowledge and resources to assist you in achieving your homeownership goals.

First-time Home Buyers

We offer specialized mortgage programs designed specifically for first-time homebuyers, featuring competitive rates, downpayment assistance, and flexible terms.

FHA Loans

Our loans are backed by the Federal Housing Administration (FHA), offering additional security and favorable terms.

Down Payment Assistance

Our many down payment assistance programs offer financial support to help cover some or all of your down payment and closing costs.

Brokers are Better!

As a Broker, we are required to undergo rigorous training and certification processes. We advocate for YOU, not a bank’s bottom-line.

Our Features

Quick, Easy, Flexible

Low Rates

Get low rates on your mortgage with Community First Home Loans.

Quick & Easy

Get approved fast with on our streamlined application process.

No prepayment penalty

No prepayment penalty for early Mortgage Loan repayment on our loans.

Secure Process

Your personal and financial information is protected with our secure process.

Apply Now

Secure your dream home with Community First Home Loans.

Interest Only Option

Take advantage of our Interest Only mortgage payment options and save on your monthly payment.

Your Next Financial Goal

Community First Home Loans: Your Path to Homeownership Begins with Us.

What does a mortgage broker do?



We meet with borrowers to discuss their needs, assess their financial situation, and educate them on the mortgage loan process.



We review loan offerings from different lenders to find the best option for borrowers to buy or refinance their homes.



We represent borrowers and negotiate with mortgage lenders to get the most competitive interest rates and pricing.



We assist borrowers with the loan application, including obtaining credit reports, verifying financials, and coordinating all of the paperwork.



We work with underwriters and closing agents to close loans on time.
Customers Testimonial

What Our Clients Say

Terry Allen
Terry Allen


Mr. Holtcamp serviced a cash out refinance for my primary residence. His knowledge and ability to broker the loan quickly went well above my expectations! He gave me clear and easy choices in interest rates and his transparency in fees and costs kept me at ease through closing. I would highly recommend his services for any purchase or refinance!

Becky Ruble
Becky Ruble


Joe is always great to work with! When it came time to make some major home upgrades, I wondered if using my equity might be a good choice. Joe is always who I call! He worked through and explained several options that were available and we decided to go with a refinance. He walked me through it every step of the way. And it was so quick and easy! I highly recommend Joe and Community First!!

Erika Petersen
Erika Petersen


Joe was amazing! He wore many hats and jumped through several hoops to get me closed. He's a great communicator and follows through with what he says!

John OShea
John OShea


If you need a mortgage, this is your guy. He delivered way beyond our expectations. Smooth sailing, nimble, agile, and knows his business. If you have a chance don’t miss working with the man…Joe H.!

Contact Us Today!

Get In Touch

We’re here to assist you. Whether you have questions, need information, or want to explore your options, we look forward to hearing from you. Your journey to homeownership starts with a simple “get in touch.” Our dedicated team is ready to help you on your journey to homeownership. Feel free to reach out with any questions or to schedule a consultation. We look forward to hearing from you!

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