Home Equity Term Overview

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Home Equity Term
Standard Home Equity Term The Standard Home Equity Loan is the simplest Home Equity option from America First. You can borrow up to 80% of your home's value (minus the balance of your current mortgage) and pick the rate type and term that is right for you.
No Fee First Home Equity Term The No Fee First Mortgage Loan is a great option if you are looking to refinance your home at a 5, 10, or 15 year rate and don't want to pay any closing costs.
100% Home Equity Term With a 100% IDEAL Home Equity Loan from America First you can borrow up to 100% of your home's value (minus the balance of your current mortgage) up to $25,000.

Home Equity Rating


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Home Rates

Mortgage HE Govt Specialty
Mortgage Rates
Type Rate APR
10 Year Fixed 4.125% 4.273%
15 Year Fixed 4.375% 4.4784%
20 Year Fixed 4.875% 4.9575%
30 Year Fixed 5.125% 5.1864%
Rates Effective March 12, 2010

Payment Example

Home Equity Rates
Type F/V Term Rate
100% Ideal Closed End Term Fixed 10 Yrs 9.5%
100% Ideal Closed End Term Variable 15 Yrs 9.5%
100% Ideal Closed End Term/Balloon Fixed 30 Yrs 9.5%
100% Ideal Line of Credit/Line Plus Variable N/A 9%
80% Standard Closed End Term Fixed 5 Yrs 5.49%
80% Standard Closed End Term Fixed 10 Yrs 6.49%
80% Standard Closed End Term Variable 15 Yrs 6.99%
80% Standard Closed End Term/Balloon Fixed 30 Yrs 7.25%
80% Standard Line of Credit/Line Plus Variable N/A 4.25%
Home Equity No Fee First Mortgage 80% LTV Fixed 5 Yrs 5.35%
Home Equity No Fee First Mortgage 80% LTV Fixed 10 Yrs 5.75%
Home Equity No Fee First Mortgage 80% LTV Variable 15 Yrs 6.25%
Home Equity No Fee First Mortgage 80%LTV/Balloon Fixed 30 Yrs 6.99%
Rates Effective March 01, 2010

Payment Example

Government Loan Rates
Type Rate APR
FHA 30-year 5.125% 5.4234%
Utah Housing FHA 4.83% 5.039%
Utah Housing VA 4.83% 5.0539%
VA 30 year 5.125% 5.3829%
Rates Effective March 12, 2010

Payment Example

Specialty Loan Rates
Type Rate APR
Home Construction - Contractor Built 6% 12.7826%
Home Construction- Self Build 6.75% 13.6416%
Lot Loan- 10 Year ARM 6% 6.2653%
Lot Loan- 10 Year Fixed 7.25% 7.5194%
Lot Loan- 20/5YR ARM Balloon 6.5% 6.8003%
Lot Loan- 20/5YR Balloon Fixed 7.75% 8.0541%
Lot Loan- 30/5YR ARM Balloon 6.75% 7.0289%
Lot Loan- 30/5YR Balloon Fixed 8% 8.2953%
Rates Effective January 15, 2010

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