Family with a baby at home

Say "Hello" to Lower Payments

Refinance your home to save money every month

Refinance Your Mortgage                             24/7 Home Loan Assistance: 800.290.1112

When You're Ready To Refinance We'll Be Here                 (use option 6 to speak with a representative)

As markets fluctuate, so do rates. Changing your mortgage terms with your credit union can help you save by:

  • Lowering your monthly payment to free up some cash
  • Paying off high-interest credit cards, auto loans, and personal bills
  • Building equity faster by taking years off your loan

Just by refinancing with us, you could lower your rate and save more money each month! We'll help you choose the loan that's right for you. Learn if you could benefit from refinancing by getting pre-qualified and we'll provide an estimate of how much you can borrow.

FAQs     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. 

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


Useful Mortgage Calculators

Calculator Icon  Calculator Icon Calculator Icon 
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 To Refinance?

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 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. 


What is Subordination? If you are refinancing your first mortgage and do not want to pay off your current second mortgage or pay off and close your Home Equity Line of Credit, you must request Subordination from American First. To request Subordination, the following items must be submitted (incomplete packages will not be processed):

  • Written request to Subordinate from borrower (signed & dated).
  • Copy of Credit Application (1003).
  • Property Appraisal (complete with photos), HVE, or AVM if HARP.
  • Preliminary Title Report (current).
  • Income Verification (paystubs/W-2's).
  • Lender's Approval Letter and 1008 (must include new financing terms).
  • Copy of credit report (current).
  • Prepared Subordination Agreement. For an additional charge of $25.00, American First can complete the subordination on the lender's behalf.
  • Subordination fee of $350.00, check payable to "American First Credit Union"
  • Return overnight envelope, including a completed return air bill slip.

Please mail these items to the address listed below. Your request will be processed within 7-10 business days. If this is a rush, please add $25.00. Turnaround will then be 3-5 business days.

If you have any questions, please call 800.290.1112, ext. 5285.

American First Credit Union
ATTN: Real Estate Subordination Department
6 Pointe Drive Ste 400. Brea, CA 92821