handing the keys to your new home

In The Market for a Home Loan?

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

Purchase Your Home                                        24/7 Home Loan Assistance: 800.290.1112

Buy your home as smooth and stress-free as possible                 (use option 6 to speak with a representative)

Your new home purchase could be one of the biggest decisions of your lifetime. We are committed to making this experience simple and enjoyable from beginning to end.

We can help you with a variety of loan options and programs to meet your needs.

  • Fixed & Adjustable terms & various rate programs
  • FHA/VA options available
  • Fast approval
  • Personal attention

Learn how much you can afford. Getting pre-qualified gets your foot in the door and gives you a better idea of what houses you can afford. Take the first step and get pre-qualified today by filling out our short form.

Get Pre-Qualified Today     Things To Know     Find Your Home

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

Useful Mortgage Calculators

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Monthly Payment
Calculates your payment for different loan amounts, interest rates, and amortization terms.

Rent vs. Own
Estimate the benefits of owning a home as opposed to renting.

How Much Can I Borrow?
Calculates how much you can borrow based on your income, debts and desired loan terms.

Need Help With Your Home Loan?

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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 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.