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Buy A Home

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.

Start Here 

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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
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Calculators
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Find Answers to your Home Loan Questions
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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.

Find Your Coverage

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.

Earn Rewards

Our Home Lending Team

  • Art Garcia

    Art Garcia

    Home Loan Consultant

    NMLS: 1063425

    Real Estate Lending

    Phone: (714) 394-4242

    Email: agarcia@amerfirst.org

    Contact Me See My Bio
  • John Martinez

    John Martinez

    Home Loan Consultant

    NMLS: 239872

    Real Estate Lending

    Phone: (562) 896-8282

    Email: jmartinez@amerfirst.org

    Contact Me See My Bio

 
*Products are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal.
 
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Make a Loan Payment

Make a Loan Payment
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Check Application Status

Check Application Status
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Home Loan Rates

Home Loan Rates
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Property Insurance

Property Insurance
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Digital Services

Digital Services
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FAQs

FAQs
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