In The Market for a Home Loan?

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

Purchase Home Loans

When You're Ready To Purchase We'll Be Here

Fixed or Adjustable?

One of the biggest choices you’ll be making is whether you want a Fixed-Rate Mortgage or an Adjustable-Rate Mortgage (also known as an ARM). There’s no right or wrong answer – it’s a very personal decision. Here’s some basic information to give you an idea of what you’ll find with each type of loan. And if you’re not sure which might be right for you, be sure to call us at 800.290.1112 ext. 5092 to speak to a Loan Consultant. They’ll be happy to help!

When you’re ready to purchase a home, come see us! We can help with:

Purchase Fixed-Rate Home Loans

You can choose from 10, 15, 20 and 30-year terms.*

Our Fixed-Rate Purchase Home Loans also feature:

  • No prepayment penalty

Apply Now

Purchase Adjustable-Rate Home Loans

Your interest rate and payment are fixed for the first 1, 3, 5, 7, or 10 years.* After that period of time, the loan will convert to a variable rate for the remainder of the term. All of our purchase ARMs also feature:

  • No prepayment penalty

Apply Now

We also offer FHA, VA, and Investment Mortgage Loans.

*Mortgage loans are available in all states except GA and TN. Cashout is not available in TX.

Home Loan Rates     - Effective as of April 22, 2014

Conforming Fixed Rate Loans
Rates
Points
APR**
30-year Fixed 4.250% 1.000 4.36%
15-year Fixed 3.250% 1.000 3.44%
Super Conforming Fixed Rate Loans
Rates
Points
APR**
30-year Fixed 4.375% 1.000 4.48%
Adjustable Rate Loans
Rates
Points
APR**
3/1 Adjustable  2.250% 1.000 3.29%
5/1 Adjustable 2.625% 1.000 3.28%
7/1 Adjustable 3.250% 1.000 3.07%
10/1 Adjustable 4.125% 1.000 3.67%
Home Equity Line of Credit
Rates
Points
APR**
30-year Adjustable 5.250% 0.000 5.00%
All Equity Loan
Rates
Points
APR**
15-year Fixed 7.250% 0.000 7.25%
FHA Program  Rates  Points  
30-year Fixed  4.500% -3.277  
30-year Fixed 4.250% -2.571  
VA Program   Rates  Points  
30-year Fixed 4.250%  -2.321  

Need Help With Your Home Loan?

Call Us
800.290.1112
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Important Notices:

• 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.