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Reverse Mortgages

  • A low origination fee
  • You choose how to receive your funds
  • You retain homeownership
  • No monthly payments
  • No income or credit requirements
  • No repayment as long as you live in your home

A reverse mortgage from America First Credit Union is a great way for homeowners 62 years of age and older to convert part of their equity into supplemental income.

To set up a consultation and find out if a reverse mortgage is right for you or a loved one, please call 1-866-224-2157.

Or speak to a reverse mortgage specialist near you:
Office Specialist Phone Fax
Service Center Wayne (801) 827-7512 (801) 827-7498
Service Center Dawn (801) 827-8498 (801) 827-8483
Service Center Jane (801) 827-8411 (801) 827-8490
Sandy Irene (801) 215-3208 (801) 215-3132
St. George Randy (435) 688-3836 (435) 688-3833
Service Center Eric (801) 827-7379 (801) 827-7498

Home Rates

Mortgage Rates
Type Rate APR
10 Year Fixed 2.75% 2.8944%
15 Year Fixed 3% 3.0996%
20 Year Fixed 3.5% 3.5783%
30 Year Fixed 3.75% 3.8066%
Rates Effective March 27, 2015

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 Loan 80% LTV Variable 5 Yrs 3.24%
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 First Mortgage 50% LTV Variable 12 Yrs 3.25%
No Closing Costs Home Equity Line 50% LTV Fixed 5 Yrs 3.49%
No Closing Costs First Mortgage 80% LTV Variable 12 Yrs 3.5%
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 First Mortgage 50% LTV Variable 15 Yrs 3.5%
No Closing Costs Home Equity Loan 80% LTV Fixed 5 Yrs 3.74%
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 50% LTV Fixed 12 Yrs 3.75%
No Closing Costs Home Equity Loan 80% LTV Variable 10 Yrs 3.99%
No Closing Costs First Mortgage 80% LTV Variable 15 Yrs 3.99%
No Closing Costs First Mortgage 50% LTV Fixed 15 Yrs 3.99%
No Closing Costs First Mortgage 80% LTV Fixed 12 Yrs 4%
No Closing Costs First Mortgage 80% LTV Fixed 15 Yrs 4.25%
No Closing Costs Home Equity Loan 80% LTV Fixed 10 Yrs 4.49%
65% Home Equity Non-Owner Variable 15 Yrs 4.49%
No Closing Costs Home Equity Loan 80% LTV Variable 15 Yrs 4.99%
65% Home Equity Non-Owner Fixed 10 Yrs 4.99%
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 9.5%
Home Equity Loan 100% LTV Fixed 10 Yrs 9.5%
Home Equity Line 100% LTV Variable N/A 9.5%
Rates Effective March 01, 2015

Payment Example

*Maximum term and lowest rate shown.

Government Loan Rates
Type Rate APR
FHA 30-year 3.375% 4.2382%
Utah Housing FHA 3.84% 5.3624%
Utah Housing Score Loan 4.75% 5.7825%
Utah Housing VA 3.84% 5.7825%
VA 30 year 3.375% 3.6453%
Rates Effective March 27, 2015

Payment Example

Specialty Loan Rates
Type Rate APR
Home Construction - Contractor Built 4.49% 7.4052%
Home Construction- Self Build 4.49% 8.6419%
Lot Loan- 10 Year 5.99% 6.3278%
Lot Loan- 10 Year Fixed 6.49% 6.831%
Lot Loan- 20/5YR Balloon 5.49% 5.7253%
Lot Loan- 20/5YR Balloon Fixed 5.99% 6.2287%
Lot Loan- 30/5YR Balloon 5.74% 5.8804%
Lot Loan- 30/5YR Balloon Fixed 6.24% 6.3848%
Rates Effective May 02, 2014

View rates & terms for other accounts

Mortgage Resources