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In The Market for a Home Loan?

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

Refinancing Home Loans                                 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, option 5 to                                                                                                                                     apply for a loan, and option 1 to apply for your home loan)

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!

Refinance Fixed-Rate Home Loans

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

Our Fixed-Rate Refinance Home Loans also feature:

  • No prepayment penalty

Get Started

Refinance Adjustable-Rate Home Loans

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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

Get Started

Home Loan Rates          Effective as of August 10, 2017        (Rates as low as)

Conforming Fixed Rate Loans 
30-year Fixed 3.875% 0.000 3.903%
15-year Fixed 3.125% 0.000 3.173%
Super Conforming Fixed Rate Loans 
30-year Fixed 4.000% 0.000 4.018%
Adjustable Rate Loans 
3/1 Adj. 3.250% 0.000 3.683%
5/1 Adj. 3.250% 0.000 3.761%
7/1 Adj. 3.375% 0.000 3.602%
10/1 Adj. 3.875% 0.000 3.950%
Home Equity Line of Credit 
30-year Adj. 4.750% 0.000 4.750%
All Equity Loan 
15-year Fixed 7.125% 0.000 7.064%
FHA Program  Rate  Points  
30-year Fixed  4.250% -2.708  
30-year Fixed 4.000% -2.461  
VA Program  Rate Points  
30-year Fixed 4.250%  -2.548

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.

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. Each family member is eligible to open an individual membership account.