CONSTRUCTION AND LOT LOANS

We offer:

Incredible terms-

• 10-year fully amortizing
• 20-year amortization with a five-year balloon
• 30-year amortization with a five-year balloon

Financing options:

• Up to 80% for purchase on fully improved residential lot where future owner-occupied home is to be considered.
• Up to 65% for purchase or refinance on fully improved residential lot held for investment
• Up to 50% for cashout refinance on fully improved residential lot where future owner-occupied home is to be constructed. Maximum cash amount is $25,000
• Lot must be free of structures

And we'll make it happen with:

Low fees-

• Origination is only 1.00% and you could have all of it refunded back - ask us how
• Credit report, document preparation, flood certification: see loan officer for details
• Appraisal: $400 (varies based on area)
• Title policy costs: based on loan amount
• Title company closing cost: per title company
• Recording Fees: vary by county

Easy documentation:

• Purchase contract (if applicable)
• Most recent pay stubs and W2's for previous two years
• Tax returns if self-employed
• Two month's financial institution account statements

Available in Utah: Box Elder, Cache, Davis, Juab, Morgan, Salt Lake, Summit, Utah, Weber, Tooele, Wasatch & Washington Counties.

Available in Nevada: Clark County and the cities of Caliente, Pioche, Panaca & Alamo.

*Certain criteria apply. Please ask us for details. Member-direct lending only.

We offer:

• Low, competitive rates
• Once construction is complete, you're qualified for a 0% origination fee on your long-term loan with America First
• Up to 80% of acquisition cost
• Flexibility on down payment requirements - see loan officer for details

And we'll make it happen with the following terms:

Nine-month term, with extensions available

Low fees-

• Origination fee is only 1.00%
• Underwriting fee: $595 - No additional underwriting, processing or document preparation fees on long-term loans
• Appraisal: $500 or current cost
• Inspection fee: $450
• Course of construction insurance: varies
• Title policy costs: based on loan amount
• Recording: according to area where building takes place
• Settlement services: per title company

Easy documentation:

• Long-term approval (loan officer will obtain)
• Construction cost breakdown
• Contract with builder
• Copy of builder's license
• Evidence of lot purchase, if applicable
• Plans and specifications for the home to be constructed

Available in Utah: Box Elder, Cache, Davis, Juab, Morgan, Salt Lake, Summit, Utah, Weber, Tooele, Wasatch & Washington Counties.

Available in Nevada: Clark County and the cities of Caliente, Pioche, Panaca & Alamo.

Available in Arizona: Maricopa and Pinal Counties.

*Certain criteria apply. Please ask us for details. Member-direct lending only.

We offer:

• Low, competitive rates
• Once construction is complete, you're qualified for a 0% origination fee on your long-term loan with America First
• Up to 80% of acquisition cost
• Flexibility on down payment requirements - see loan officer for details

And we'll make it happen with the following terms:

Nine months, with extensions available

Low fees-

• Origination fee is only 1.50%
• Underwriting fee: $595 - No additional underwriting, processing or document preparation fees on long-term loans
• Appraisal: $500 or current cost
• Inspection fee: $450
• Course of construction insurance: varies
• Title policy costs: based on loan amount
• Recording: according to county where building takes place
• Settlement services: per title company

Easy documentation:

• Self-build qualification
• Construction cost breakdown
• Long-term loan from America First
• Evidence of lot purchase, if applicable
• Plans and specifications for the home to be constructed

Available in Utah: Box Elder, Cache, Davis, Morgan, Salt Lake, Summit, Utah, Weber, Tooele, Wasatch & Washington Counties.

Available in Nevada: Clark County.

Available in Arizona: Maricopa and Pinal Counties.

*Certain criteria apply. Please ask us for details. Member-direct lending only.

We offer:

• Competitive interest rates
• Financing up to 95% of acquisition cost*
• Down payment flexibility
• Nine-months terms, with extensions available

Low fees:

• Origination: 1.50% - waived on long-term loans
• Underwriting: $595 - no additional underwriting, processing or document preparation fees for long-term financing
• Appraisal: $500 or current cost
• Inspection: $450
• Course of construction insurance: Varies
• Title policy: Based on loan amount
• Recording: According to county where building takes place
• Settlement services: Per title company

Easy documentation:

• Self-build qualification
• Construction cost breakdowns
• Lot purchase evidence, if applicable
• Home construction plans and specifications

Available in:

• Utah - Box Elder, Cache, Davis, Morgan, Salt Lake, Summit, Utah, Weber, Tooele, Wasatch & Washington Counties
• Nevada - Clark County.
• Arizona - Maricopa and Pinal Counties.

*Certain criteria apply and are subject to change. Member-direct lending available on approved credit. Loan-to-value requirements based on eligibility, terms & conditions. For a 95% LTV construction loan at 9% APR you will make one lump sum payment at the end of the loan term which will be included in your long-term financing.