Our home equity lines of credit — or HELOCs — are open-end loans based on the value of your residence minus your mortgage balance. Eligible members can use these funds for substantial home improvements, large expenses, and other needs.

Make the most of your home's equity by taking advantage of the value you've been building. Our no closing costs option for homeowners with significant equity lets you borrow the resources you need at rates & terms that make sense for your budget. We also offer home equity loans that allow you to use up to 100% of your home's value.

This is a great product if you're looking to refinance at a five-, 10-, or 15-year term, or with a 20-year balloon—and you don't want to pay any closing costs.

America First Credit Union offers investment property loans for those members who own a home, but the home is not their residence. You can use the funds for any number of reasons. You may be interested in refinancing your existing loan, consolidating debt, buying a second home or an additional investment property, including residential properties and vacation properties.