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Refinancing Home Loans

When You’re Ready to Refinance We'll Be Here

What's Your Goal?

There are a lot of reasons to think about refinancing. Here are just a few… If the interest rate and monthly payment on your current mortgage are higher than you’d like them to be, you may be able to lower them by refinancing. Have you been thinking about some home improvements or a remodel? If you have equity in your home, you may be able to refinance and tap that equity to make your dream kitchen come true!

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 refinance your home, come see us! We can help with:


Refinance Fixed-Rate Home Loans

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

Our Fixed-Rate Refinance Home Loans also feature:

  • No prepayment penalty

Apply Now

Refinance 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 July 13, 2016

Conforming Fixed Rate Loans
30-year Fixed 3.375% 0.000 3.402%
15-year Fixed 2.625% 0.000 2.671%
Super Conforming Fixed Rate Loans
30-year Fixed 3.625% 0.000 3.642%
Adjustable Rate Loans
3/1 Adjustable  2.500% 0.000 3.209%
5/1 Adjustable 2.750% 0.000 3.103%
7/1 Adjustable 3.000% 0.000 3.161%
10/1 Adjustable 3.375% 0.000 3.352%
Home Equity Line of Credit as low as...
30-year Adjustable 4.000% 0.000 4.000%
All Equity Loan as low as...
15-year Fixed 7.125% 0.000 7.064%
FHA Program  Rates  Points  
30-year Fixed  4.250% -2.933  
30-year Fixed 4.000% -2.828  
VA Program   Rates  Points  
30-year Fixed 4.250%  -2.783  

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. Click here to learn more.

Need Help With Your Refinance?

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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.