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MORTGAGE LOANS

A Mortgage Loan is a big investment, and you'll want to be certain you have a trustworthy financial partner at your side. Look no further than your credit union. At America First, we are focused on helping you have the best mortgage experience possible. Our new online application is all digital, allowing you to save time and stress when making one of life’s biggest financial decisions.

To refinance your current mortgage, please call 1-866-224-2157 Monday through Friday 9:00 am to 5:00 pm. We are processing all applications as quickly as possible, however due to an unusually high number of refinance requests, our response time may be delayed. We appreciate your patience.

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MY PERSONALIZED ESTIMATE
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This financial calculator is an internet-based application intended to help you analyze your financial needs and is for informational purposes only. It does not guarantee a specific rate, term or payment. The calculations provided are based on a conventional mortgage loan with a debt-to-income ratio of 37% along with information provided by you. The results are not provided or reviewed by America First Credit Union and should not be construed as financial, legal or tax advice. In addition, this data should not be relied upon as the only source of information. Consult an America First loan officer for accurate rates, terms and payment estimates.

While this calculator offers general estimate information, America First may not have a loan scenario that fits the criteria you have entered. For specific inquiries regarding your situation, please call 1-866-224-2157 to speak with a mortgage representative.

Moving to a new place is a big decision and, just like our homes, mortgages come in all shapes and sizes. But no matter what type of home loan you need, America First has you covered. From first-time homebuying to conventional refinancing, we'll help fund your dream house. Read below to discover options that fit your unique needs, use our simple calculator to estimate potential payments, then apply for preapproval.

  • Only 3% down payments
  • Potential grants can assist with down payments and closing costs
  • Take advantage of low costs & low rates
  • Maintains original rate throughout its life
  • Market fluctuations won't affect payments
  • 10-, 15-, 20- and 30-year terms available
  • 620 or above FICO® scores
  • 5%* minimum down payments
  • Good for primary residences, second homes & investment properties
  • 10-, 15-, 20- and 30-year terms
  • No income or purchase-price limits

*Unless applicant is first-time homebuyer or qualified for a HomeReady loan

  • Minimum 620 credit score
  • Maximum loan-to-value: 95%
  • For a primary residence, second home, or investment property
  • 10-, 15-, 20- and 30-year terms
  • No income limits
  • FHA 15- and 30-year fixed
  • VA 15- and 30-year fixed
  • Rural housing (USDA)
  • First-time & repeat homebuyers
  • Nevada down-payment assistance
  • Low, competitive rates  
  • First-rate member service  
  • Flexibility on down payment requirements 
  • For primary residences, second homes, or investment properties
  • 15-, 20- and 30-year terms available
  • 10/1 ARMs available
  • Mortgage insurance required for loan-to-value ratios greater than 80%
  • Low initial rates
  • Payment can increase or decrease substantially
  • Initial adjustment, subsequent & lifetime caps
Get Your Personalized Quote Today
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Digital Application Features

Our new application is all digital, allowing you to save time and stress when making one of life’s biggest financial decisions.

New Digital Application Process

At America First, we are focused on helping you have the best mortgage experience possible. Our new application is all digital, allowing you to save time and stress when making one of life’s biggest financial decisions. Take a walk through!

Purchase Rates

Product Interest Rate Discount Points APR*
30 Year Fixed 2.75% -0.375 % 2.82%
10 Year Fixed 2.12% 0 % 2.32%
20 Year Fixed 2.62% -0.375 % 2.73%
10 Year Fixed 2.12% 0 % 2.32%
15 Year Fixed 2.25% -0.375 % 2.38%
* Rates, fees, and Annual Percentage Rates (APRs) displayed may change without notice. The information provided assumes the purpose of the loan is to purchase a primary residence, single-family dwelling in Utah with a 40% down payment. The rate-lock period is 40 days and the assumed credit score is 740. Actual rates, fees, and APRs may vary based on these and other factors. There may be additional fees assessed by the investor that will increase the APR. All rates effective Friday,September 25,2020 09:35 AM MST

Refi Rates

Product Interest Rate Discount Points APR*
30 Year Fixed Refi 3.12% -0.375 % 3.2%
15 Year Fixed Refi 2.75% 0 % 2.88%
10 Year Fixed Refi 2.88% -0.25 % 3.07%
20 Year Fixed Refi 3.0% 0 % 3.1%
20 Year Fixed Refi 3.0% 0 % 3.1%
15 Year Fixed Refi 2.75% 0 % 2.88%
* Rates, fees, and Annual Percentage Rates (APRs) displayed may change without notice. The information provided assumes the purpose of the loan is to refinance a primary residence, single-family mortgage loan in Utah with a Loan-to-value ratio of 60% with no cash out. The rate-lock period is 40 days and the assumed credit score is 740. Actual rates, fees, and APRs may vary based on these and other factors. There may be additional fees assessed by the investor that will increase the APR. All rates effective Friday,September 25,2020 09:35 AM MST

Loans for your Most Important Purchase

A Mortgage Loan is a big investment, and you'll want to be certain you have a trustworthy financial partner at your side. Look no further than your credit union.