The real estate experts at American First can do a
side-by-side comparison of your loan options.
side-by-side comparison of your loan options.
Plus, we make it easy with these great features available on all of our home loans:
- 60-day shop-n-lock rate option for purchases. Locking in a low rate at pre-approval protects you if rates rise before your loan is closed.
- Quick close guarantee.* Need to close your loan quickly? American First can close your purchase transaction in 10 days – or we'll give you $1,000!
- No-cost home loan.** American First pays your closing costs for you. Ask us for details!
- 25% rebate on real estate agent commission.*** A rebate check for you to use any way you want.
Ready to Buy or Refinance?
You'll be surprised at how smoothly the homebuying and refinancing process goes when you work with American First. To learn more, visit our online mortgage center at www.amerfirst.org or call 800/ 290-1112, Ext. 5092.
| * | Applies to purchases in CA, AZ and NV. Certain restrictions apply. |
| ** | Cost of appraisal paid upfront by Member and refunded at loan closing. Restrictions apply. Not offered on loans under $100,000. |
| *** | To qualify for rebate, ask for a referral to a participating agent before you list your property or begin your home search. No rebates on transactions below $100,000. Rebates not available in AL, AK, IA, KS, LA, MS, MO, MT, NJ, OK, OR or TN. |
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Mortgage Options
You don't have to be an expert to shop with confidence. The home loan experts at American First can do a side-by-side comparison of your loan options. Here's a quick overview of some of the mortgage products we offer:
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With a fixed-rate mortgage, your mortgage payment stays the same for the life of the loan. Predictable payments are a plus for many homeowners who want to lock in current historically low rates. |
| An adjustable-rate mortgage (ARM). The interest rate and payment are fixed for the first part of the term (1, 3, 5 or 7 years). After that period, the rate and payment may fluctuate up and down for the remainder of the 30-year term. | |
| A jumbo mortgage is for home loans more than $417,000. This type of loan can be set up with fixed or adjustable payments. | |
| An FHA loan is a mortgage loan insured by the Federal Housing Administration (FHA). It typically has a low interest rate and low down payment requirement (3.5%), making it an affordable option for buyers who qualify. | |
| A reverse mortgage is a loan that allows senior homeowners age 62 and older to convert their home equity into cash. Unlike a traditional loan, the investor or bank makes payments to the homeowner. |
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Branch Locations La Habra Buena Park Orange Placentia Tustin |
Branch Hours
800/ 290-1112
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Important Dates CU Service Centers® CO-OP ATMs |
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