Couple looking at their new home

In The Market for a Home Loan?

We can help you feel at home with a loan tailored to your needs.

Home Buying Made Easy

Let us help you get your dream home.

Our team of Loan Consultants are ready to help you find your dream home. We will guide you through each step of your journey. Our Consultants will offer you the best program, a superior home loan, and the most attentive service from the pre-qualification to the move-in phase.

A couple and their baby sitting in the porch doorstep of their new home.Purchase My Home

We will guide you through
every step of the process.

A view of the open front door of a house. It includes a big welcome mat and some shoes. Refinance My Mortgage

See how we can help you save money!

a picture of the exterior of a 2 story houseMy Home Equity

We can help you tap into your home's equity.

See how much you can borrow.

Getting pre-qualified gets your foot in the door. Being pre-qualified means that you have provided some basic information with us and we’ll provide an estimate of what you might be able to borrow. It gives you a better idea of what houses you can afford.

Get Pre-Qualified Today

We'll guide you through every step of the way.

Our Loan Consultants can work with you in person, by phone, or entirely online to answer your questions, explain your options, and tailor the loan terms to fit your needs. They’ll be with you every step of the way. Meet our team of Registered Real Estate Loan Consultants ready to assist you. 

Picture of John Martinez John Martinez

NMLS# 239872
Cell: 562.896.8282
jmartinez@amerfirst.org

Picture of Art Garcia Art Garcia

NMLS# 1063425
Cell: 714.394.4242
agarcia@amerfirst.org

Picture of Mick Ross Mick Ross

NMLS# 292347
Cell: 562.237.1897
mross@amerfirst.org

Home Loan Tools and Planning Calculators

Need Help With Your Home Loan?

Call Us
800.290.1112
E-Mail Us Locate a Branch

Important Notices:

* APR = Annual Percentage Rate and additional terms and conditions apply. Rates, points, programs, terms, and conditions are subject to change without notice based on market conditions, borrower credit, and property eligibility. Loan programs available for a home purchase, mortgage refinance, or for home equity loans. A full application with all documents, credit verification, and property appraisal will be required to receive a quote and rate lock. Rate and fees based on loan to value (LTV), down payment, fees, and individual credit. American First Credit Union offers rate lock period options, and a rate discount of 0.25% for automatic payments. Your APR will vary based on your final loan amount and finance charges. For Adjustable Rate Mortgages (APR), interest rate and payment are subject to increase when the market-driven index changes. Quoted rates are subject to additional rate or point add-ons according to borrower’s loan request, credit score, cash out, and loan to value. Points are fees paid up front to the lender in exchange for a lower interest rate on a home loan. One point equals one percent of the loan amount. A Good Faith Estimate will show your lock-in period, loan offer, and costs based on information you provide. Additional disclosures are available for each loan type. Rates and loan programs are subject to credit and property approval, and may change at any time based on market conditions and borrower eligibility. Loans not available in all states.

American First Credit Union is an equal housing lending. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.

A membership account can be opened to receive these and other services. A one-time $5 individual membership fee may apply to become a member of American First Credit Union. Membership is open to individuals who live, work, worship or attend school in Orange County or in the 16 qualified cities in southern California, work at an affinity group, or are members of the Children’s Museum of La Habra. Each family member is eligible to open an individual membership account.