Mortgage Overview

Ready to buy or refinance a home? It's a big decision. America First is the lender you can trust to help you find the mortgage that best fits your financial goals.

Apply Now

Not a member yet?
Become a member today.


Mortgage Options
Fixed Rate Mortgages A traditional loan which maintains its original interest rate throughout its life.
Adjustable Rate Mortgages ARMs are subject to rate adjustments later on, so the initial interest rate is set lower than standard fixed terms.
Jumbo Loans Jumbo loans are for purchases which require a loan that's larger than the Fannie Mae conventional limit of $417,000.
Specialty Loans Unique loan options include government loans, lot loans, construction loans, and loans for first time home buyers.
Apply Now

Mortgage Benefits:

  • Competitive interest rates
  • 0.50% origination fee
  • Helpful loan originators
  • Local underwriting for fast approval
  • Interest on escrow accounts

Rates and points shown are intended as mortgage market indicators only, are time-delayed, and may change without notice. Rates quoted are the lowest available and are based on the following: excellent credit, pertaining to an owner-occupied, single-family residence, and having a Loan-to-Value (LTV) ratio less than or equal to 80%.

Click here to view a personalized rate quote, as well as additional loan options.

Annual Percentage Rate (APR) calculations are based on a $100,000 loan, with an 80% LTV ratio and a down payment of 20%. This model's monthly payments would be $763.51 on a 30-year loan at an 8.5% fixed rate.

Mortgage Loans Rating


Find A Branch / ATM


Home Rates

Mortgage HE Govt Specialty
Mortgage Rates
Type Rate APR
10 Year Fixed 4.25% 4.3984%
15 Year Fixed 4.375% 4.4784%
20 Year Fixed 4.875% 4.9575%
30 Year Fixed 5.125% 5.1864%
Rates Effective November 06, 2009

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 10 Yrs 6.49%
80% Standard Closed End Term Fixed 5 Yrs 5.49%
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 4.75%
Home Equity No Fee First Mortgage 80% LTV Variable 15 Yrs 6.25%
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/Balloon Fixed 30 Yrs 6.99%
Rates Effective November 01, 2009

Payment Example

Government Loan Rates
Type Rate APR
FHA 30-year 5.25% 5.549%
Utah Housing FHA 5.75% 5.9866%
Utah Housing VA 5.75% 5.9866%
VA 30 year 5.25% 5.4953%
Rates Effective November 06, 2009

Payment Example

Specialty Loan Rates
Type Rate APR
Home Construction - Contractor Built 6% 12.7824%
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 12, 2009

View More Rates

Home Loan Advisor