Home Loans

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

Home Rates

Mortgage Rates
Type Rate APR
10 Year Fixed 3% 3.145%
15 Year Fixed 3.375% 3.4756%
20 Year Fixed 4.125% 4.2051%
30 Year Fixed 4.375% 4.4337%
Rates Effective April 17, 2014

Payment Example

Home Equity Rates
Type F/V Term* APR*
No Closing Costs First Mortgage 50% LTV Variable 5 Yrs 2.49%
No Closing Costs First Mortgage 80% LTV Variable 5 Yrs 2.74%
No Closing Costs First Mortgage 50% LTV Variable 7 Yrs 2.75%
No Closing Costs Home Equity Line 50% LTV Variable N/A 2.99%
No Closing Costs First Mortgage 50% LTV Fixed 5 Yrs 2.99%
No Closing Costs First Mortgage 80% LTV Variable 7 Yrs 3%
No Closing Costs First Mortgage 50% LTV Variable 10 Yrs 3%
No Closing Costs Home Equity Line 80% LTV Variable N/A 3.24%
No Closing Costs First Mortgage 80% LTV Fixed 5 Yrs 3.24%
No Closing Costs First Mortgage 80% LTV Variable 10 Yrs 3.24%
No Closing Costs First Mortgage 50% LTV Fixed 7 Yrs 3.25%
No Closing Costs Home Equity Line 50% LTV Fixed 5 Yrs 3.49%
No Closing Costs First Mortgage 80% LTV Fixed 7 Yrs 3.5%
No Closing Costs First Mortgage 50% LTV Fixed 10 Yrs 3.5%
No Closing Costs Home Equity Line 80% LTV Fixed 5 Yrs 3.74%
No Closing Costs First Mortgage 80% LTV Fixed 10 Yrs 3.74%
No Closing Costs First Mortgage 80% LTV Variable 15 Yrs 3.99%
No Closing Costs Home Equity Loan 80% LTV Variable 5 Yrs 4.49%
65% Home Equity Non-Owner Variable 15 Yrs 4.49%
No Closing Costs Home Equity Loan 80% LTV Variable 10 Yrs 4.74%
No Closing Costs Home Equity Loan 80% LTV Fixed 5 Yrs 4.99%
65% Home Equity Non-Owner Fixed 10 Yrs 4.99%
No Closing Costs Home Equity Loan 80% LTV Fixed 10 Yrs 5.24%
No Closing Costs Home Equity Loan 80% LTV Variable 15 Yrs 5.99%
No Closing Costs First Mortgage 80%LTV/Balloon Fixed 20 Yrs 5.99%
No Closing Costs Home Equity Loan 80% LTV Balloon Fixed 20 Yrs 6.99%
Home Equity Loan 100% LTV Variable 15 Yrs 9%
Home Equity Loan 100% LTV Fixed 10 Yrs 9.5%
Home Equity Line 100% LTV Variable N/A 9.5%
Rates Effective April 07, 2014

Payment Example

*Maximum term and lowest rate shown.

Government Loan Rates
Type Rate APR
FHA 30-year 3.875% 4.697%
Utah Housing FHA 4.125% 5.0674%
Utah Housing Score Loan 4.5% 5.5523%
Utah Housing VA 4.125% 4.4031%
VA 30 year 3.875% 4.1186%
Rates Effective April 17, 2014

Payment Example

Specialty Loan Rates
Type Rate APR
Home Construction - Contractor Built 5.25% 11.5513%
Home Construction- Self Build 5.25% 12.6954%
Lot Loan- 10 Year ARM 6% 6.2653%
Lot Loan- 10 Year Fixed 7.25% 7.5194%
Lot Loan- 20/5YR ARM Balloon 6.5% 6.8003%
Lot Loan- 20/5YR Balloon Fixed 7.75% 8.0541%
Lot Loan- 30/5YR ARM Balloon 6.75% 7.0289%
Lot Loan- 30/5YR Balloon Fixed 8% 8.2953%
Rates Effective March 22, 2012

View rates & terms for other accounts