Mortgage Refinance

Interested in lowering your monthly payment?

Begin your free consultation & get preapproved

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


No Closing Costs First Mortgage

  • Our no closing costs first mortgage provides you with the ability to refinance up to 80% of your mortgage at five-, 10-, 15- or 20-year terms, with much lower rates...and without the closing costs!
  • Learn more.

Adjustable-Rate Mortgages

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

Government Loans

  • FHA 15-year fixed, FHA 30-year fixed, VA 15-year fixed, VA 30-year fixed.
  • Utah Housing options.
  • Learn More.

Construction & Lot Loans


Product Interest Rate Discount Points Origination Fee APR*
* 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 Friday, April 28, 2017 8:33 AM MST.
10 Year Fixed 3.125% 0% 0.5% 3.2704%
15 Year Fixed 3.25% 0% 0.5% 3.3502%
20 Year Fixed 3.75% 0% 0.5% 3.829%
30 Year Fixed 4% 0% 0.5% 4.0574%

Refinance & Save

How much can you save by refinancing your Mortgage Loan with America First? Let's take a closer look.

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