Purchase or Refinance
Whether it's your first time buying a house, you're looking for an additional place to call 'home,' or you want to explore the possibility of saving money every month by lowering your interest rate and monthly payment, it's important to work with a lender who you can trust. At American First, we offer a wide range of mortgage solutions for your lending needs. Our lenders are here to walk you through options that work best for you and your family.
Get Pre-Qualified
Getting pre-qualified gives you insight into how much you can borrow as you search for your home or look to refinance for financial flexibility. You can complete our pre-qualification process in just 5 minutes and a loan officer will contact you to guide you through your next steps.
Planning for Your Next Home
Is buying a home the right choice for you? Is it time to refinance my mortgage? What kind of rates are available? How much will you qualify to borrow? We can help provide answers to your questions. Learn more about the resources we offer to allow you to make informed decisions about your home loan.
Home Loan Rates
Calculators
Find Answers to your Home Loan Questions
Mortgage Loans We Offer
Fixed-rate mortgages
Your interest rates stay the same so you can plan your finances around your repayments. Several oan terms available.
Adjustable-rate mortgages
Interest rates can change throughout the term of a loan after an initial fixed period. This is an ideal option for someone who is interested in a short-term ownership of their home.
FHA Loans
Loans are offered by the Federal Housing Administration and can help individuals overcome the barriers of buying a home, including reduced down payment requirements.
VA Loans
These loans offer benefits to individuals who have served in the armed forces and their families. Benefits include reduced down payment and income requirements.
Protect Your Home
American First Credit Union partners with TruStage Insurance* to offer several forms of property insurance. Whether you're purchasing a house, buying a condo, or renting an apartment, we can provide you with coverage for your home.
Earn Rewards With CU Realty
Search, buy, sell and save... on your next home with American First! Together with CU Realty's HomeAdvantage™, we now offer a range of member benefits from finding a home to selling your property. When you use one of the agents in our network to buy or sell your home, you qualify to earn Cash Rewards at closing.
Our Home Lending Team
-
Contact Me See My BioArt Garcia
Home Loan Consultant
NMLS: 1063425
Real Estate Lending
Phone: (714) 394-4242
Email: agarcia@amerfirst.org
CloseArt Garcia
Art has over 20 years of experience in residential lending, his last 6 years proudly with American First Credit Union. He specializes in purchase and refinancing of single-family residences. Over the years he has received numerous positive reviews and referrals due to his honesty and dedication to our members. He is also very involved in our community, as an active member of the La Habra Business Connection and various local business chambers. Art is a man of character that provides world-class member service and keeps our members as his top priority. -
Contact Me See My BioJohn Martinez
Home Loan Consultant
NMLS: 239872
Real Estate Lending
Phone: (562) 896-8282
Email: jmartinez@amerfirst.org
CloseJohn Martinez
John has been working in the real estate industry since 1998 as a Mortgage Broker and Loan Consultant. His favorite part of being in the industry is helping members achieve their goals, whether it’s a refinance or getting them into that new home. There is nothing more fulfilling for him than calling to congratulate members on the successful funding of their loan. John always strives to give 110% to make sure that the member experience is exceptional, and that the home buyer is always updated on the loan process.
