Mortgage Refinance - America First Credit Union
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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.

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.

Government Loans

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

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  • Building lot loans. 
  • Home construction program. 
  • Find a loan officer near you.

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Refinance & Save

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