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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.

For questions about refinancing your current mortgage, please call 1-866-224-2157.

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.

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.

Construction & Lot Loans

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

Refinance & Save

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