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American First Credit Union offers a variety of loan programs to meet your needs.

Loan Programs

  • Purchase or Refinance
  • Conventional
  • Debt Consolidation
  • Investment Properties
  • Jumbo and Super Conforming
  • Realtor Program (buying, selling)

Home Loan Rates          Effective as of August 16, 2019         (Rates as low as)

Conforming Fixed Rate Loans 
Rate
Points
APR*
30-year Fixed 3.375% 0.000 3.402%
15-year Fixed 3.000% 0.000 3.047%
Super Conforming Fixed Rate Loans 
Rate
Points
APR*
30-year Fixed 3.375% 0.000 3.391%
Conforming and Jumbo ARM
Rate
Points
APR*
3/1 Adj. 3.500% 0.000 4.004%
5/1 Adj. 3.500% 0.000 4.239%
7/1 Adj. 3.625% 0.000 4.170%
10/1 Adj. 3.875% 0.000 4.228%
Home Equity Line of Credit 
Rate
Points
APR*
30-year Adj. 5.750% 0.000 5.750%
All Equity Loan 
Rate
Points
APR*
15-year Fixed 7.125% 0.000 7.064%
FHA Program Rate  Points  
30-year Fixed  4.250% -1.481  
30-year Fixed 4.000% -1.046  
VA Program  Rate Points  
30-year Fixed 4.250%  -1.431

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.

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.

 
First Mortgage- Fixed Rate
First Mortgage - Adjustable Rate
Home Equity Line of Credit
All Equity Loan

First Mortgage- Fixed Rate
You can choose from 10, 15, 20 and 30-year terms. Our Fixed-Rate Purchase Home Loans also feature: No prepayment penalty

First Mortgage - Adjustable Rate
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. All of our purchase ARMs also feature: No prepayment penalty

Home Equity Line of Credit
This open line of credit gives you a ready source of low rate funds for ongoing projects, large ticket items and emergencies.

All Equity Loan
All Equity is a closed-end fixed rate loan that is ideal for specific purposes, such as adding a room or paying off debt.


                                                         375


Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $11,340. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $636,151 with closing costs of $16,223. Your actual APR may be different depending upon these factors.