• American First Credit Union offers other rate lock period options. If you would like an extended lock period of more than 45 days, please contact one of our Loan Officers at 800.290.1112. American First Credit Union rates are based on automatic payments. Without automatic payment the rate will be increased by .25%. American First Credit Union rates are based on purchases, no cash out refinances and cash out refinances up to 60% loan to value. The interest rates, annual percentage rates (APRs) and points shown are subject to change without notice. Your APR will vary based on your final loan amount and finance charges. Additional Information about our Adjustable Rate Mortgage (ARM) - The APR, interest rate and principal and interest payment are subject to increase and will change after the loan is closed due to market-driven changes to the index. Above quoted rates are subject to additional rate or point add-ons according to member's loan request, fico score, cash out, and loan to value. Rates subject to change without notice.
**APR calculated on max. 60% LTV: based on $350,000 purchase loan, 1 day prepaid interest, processing fee, tax service fee, flood certification fee, document preparation fee, wire fee, courier fee and points (if applicable). Loans exceeding 60% LTV may have higher APR due to mortgage insurance premium (PMI), or cash out refinance rate adjustments.