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Home Equity Application

Please read the disclosures below before you apply for Home Equity Loans and Home Equity Lines of Credit (HELOCs) at American First Credit Union.

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What You Should Know About a Home Equity Line of Credit

This booklet was initially prepared by the Board of Governors of the Federal Reserve System. The Consumer Financial Protection Bureau (CFPB) has made technical updates to the booklet to reflect new mortgage rules under Title XIV of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act). A larger update of this booklet is planned in the future to reflect other changes under the Dodd-Frank Act and to align with other CFPB resources and tools for consumers as part of the CFPB’s broader mission to educate consumers. Consumers are encouraged to visit the CPFB’s website at to access interactive tools and resources for mortgage shoppers.

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Home Equity Line of Credit Disclosure

For the purposes of this disclosure, the terms "we," "us" and "our" refer to American First Credit Union (the Lender). The terms "you" and "your" refer to the Borrower(s) receiving this disclosure.

This disclosure contains important information about our Home Equity Line of Credit (HELOC). You should carefully read this disclosure and maintain a copy in your records.

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