A man doing some house repairs

In The Market for a Home Loan?

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

Home Equity

We Can Make Your House Feel Like a Home

Home improvements, college tuition, debt consolidation, a vacation, or special occasion. Your home’s equity can be a valuable financial tool. By tapping into it, you may be able to get cash for just about anything.^

At American First, we have two kinds of home equity loans. Depending on what you need, one is sure to work for you:

Home Equity Line of Credit

A home equity line of credit (HELOC) provides easy access to open line of credit which can be used for remodeling, paying tuition, consolidating debt, and emergencies. HELOC allows you to borrow or draw money numerous times from an available maximum amount. You will only pay the amount used on the revolving line of credit. 

  • Borrow up to 80% of your equity^
  • Loans up to $250,000 available^
  • 15 years to repay
  • Possible tax benefits^^
  • Closing costs waived with minimum loan advance^^^
  • Home Access card provides convenient access to your Home Equity Line of Credit

All Equity Loan

A home equity loan allows you to receive the money you are borrowing in a lump sum payment with a fixed interest rate. You can use the amount you request for anything including remodeling, paying tuition, consolidating debt, and emergencies. 

  • Borrow up to 80% of your equity^
  • Loans up to $250,000 available^
  • 15 years to repay
  • Possible tax benefits^^
  • Closing costs waived with minimum loan amount^^^

Let us help you with best options to use your home's value.

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. 

John Martinez John Martinez

NMLS# 239872
Cell: 562.896.8282

Picture of Art Garcia Art Garcia

NMLS# 1063425
Cell: 714.394.4242

Got questions? We'll call you.


^ Maximum loan amount based on individual credit profile. Certain restrictions apply. All Equity Loan not available in TX, TN, IL and GA. HELOC only available in AZ, CA, NV, ID, UT. For loans 80% LTV or greater, please call for a quote.  

^^Consult a tax advisor regarding the deductibility of interest.

^^^A $1,000 processing fee will apply if the loan balance is paid off within 36 months or if minimum required advance is not taken.

Need Help With a Loan?

Call Us
E-Mail Us Locate a Branch

Important Notices:

*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. Loans not available in all states.

American First Credit Union is an equal housing lender. 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 or have a family member, or live with, someone who has a current membership account with us. Each family/household member is eligible to open an individual membership account.