Skip to main content 

Main Content


Home loans that feel like home

Whether you're building, buying or refinancing, we'll make sure your loan experience feels like home! Apply with us today and you'll get:

  • Competitive low rates
  • Flexible terms & options
  • A quick & easy process
  • All your financial solutions under one roof
Build, Buy or Refi

Get Into Your Dream House Today

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

Begin your free review & get preapproved.

  • Discover how much you can borrow
  • View current rates
  • Choose the right home loan
  • Find the lowest monthly payment
  • No obligation

Fixed-Rate Mortgages

  • Maintains original rate throughout its life
  • Market fluctuations won't affect interest
  • 10-year, 15-year, 20-year, and 30-year fixed-rate mortgages
  • Jumbo and High Balance loans for loan amounts over $484,350
  • Learn more


Adjustable-Rate Mortgages

  • Interest rates are fixed for a period of 3 to 10 years, then adjust up or down depending on market conditions
  • 1-year ARM, 3/1-year ARM, and 5/1-year ARM options
  • Learn more


Government Loan Programs

  • FHA 15-year fixed, FHA 30-year fixed, VA 15-year fixed, VA 30-year fixed, USDA
  • First Time & Repeat Home Buyers
  • Nevada Down Payment Assistance
  • Learn more


Construction & Lot Loans

  • Residential lot loans. Learn more
  • Home construction loans. Learn more
  • Call our construction loan support team at 1-866-224-2157

Calculate Your Payment

Monthly Payment*
*Private Mortgage Insurance may affect payment.
Product Interest Rate Discount Points Origination Fee APR*
10 Year Fixed 3.125% 0 % 0.5 % 3.2704%
15 Year Fixed 3.125% 0 % 0.5 % 3.2249%
20 Year Fixed 3.625% 0 % 0.5 % 3.7036%
30 Year Fixed 3.75% 0 % 0.5 % 3.8066%
* Rates, fees, and Annual Percentage Rates (APRs) displayed are intended as mortgage market indicators only, are time-delayed, and 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 55 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 Tuesday,November 12,2019 08:43 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.