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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.

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)

Fixed Rate Home Loan

a young couple and their baby spending time on the front lawn of their house 

A fixed rate mortgage gives you the same interest rate throughout the entire term of the loan. We recommend a fixed rate mortgage if you do not want your loan to fluctuate with the market as would occur with an adjustable rate mortgage. Budgeting your finances will be easier with payment stability. A fixed rate mortgage can be refinanced for a shorter term. You can choose from 10, 15, 20, and 30-year terms.* Our fixed rate term also features no prepayment penalty.

            Get Pre-Qualified Today

Adjustable Rate Mortgage (ARM)

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With an ARM, 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. We recommend an ARM if you want lower initial payments with the ability to convert to a fixed loan. This is a more suitable option if you are considering to move or refinance your mortgage within the first 10 years. Our ARM also features no prepayment penalty.

            Get Pre-Qualified Today

Let's explore your options!

See how much you can borrow.

Being pre-qualified means that you have provided some basic information with us and we’ll provide an estimate of what you might be able to borrow.

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. 

Picture of 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

Picture of Mick Ross Mick Ross

NMLS# 292347
Cell: 562.237.1897
mross@amerfirst.org

   Got questions? We'll call you. ​      

Need Help With Your Refinance?

Call Us
800.290.1112
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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 lending. 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. Each family 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.
  • $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