Today's Rates - Home Loan

Helping You Find and Finance the Perfect Home

Whether thinking about buying a home, or ready to buy right away, or just need to re-do your mortgage, we're here to help. We offer programs that can get you what you want quickly and professionally.  It’s what we do every day and we’ve been doing it for a long, long time.

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Home Loan Rates          Effective as of November 15, 2019          (Rates as low as)

Conforming Fixed Rate Loans 
Rate
Points
APR*
30-year Fixed 3.625% 0.000 3.651%
15-year Fixed 3.125% 0.000 3.173%
Super Conforming Fixed Rate Loans 
Rate
Points
APR*
30-year Fixed 3.625% 0.000 3.642%
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. 5.250% 0.000 5.250%
All Equity Loan 
Rate
Points
APR*
15-year Fixed 7.125% 0.000 7.064%
FHA Program Rate  Points  
30-year Fixed  4.250% -1.293  
30-year Fixed 4.000% -0.816  
VA Program  Rate Points  
30-year Fixed 4.250%  -1.243

Useful Mortgage Calculators

We try to get you into the best loan possible to meet your needs. Explore your options to save money on your home loan today. 

calculator icon  calculator icon
Fixed vs. ARM
Compares the difference between a fixed-rate and an adjustable-rate mortgage.

15-Year vs. 30-Year
Compares the difference between a 15-year and a 30-year mortgage.

Need Help With Your Home Loan Rate?

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Important Notices:

* APR (Annual Percentage Rate) subject to change based on LTV, down payment, fees, and individual credit. American First Credit Union offers other rate lock period options. If you would like an extended lock period of more than 45 days, please contact one of our Loan Officers at 800.290.‚Äč1112. American First Credit Union rates are based on Automatic Payments. Without automatic payment the rate will be increased by .25%. American First Credit Union rates are based on purchases, no cash out refinances and cash out refinances up to 60% loan to value. The interest rates, annual percentage rates (APRs) and points shown are subject to change without notice. Your APR will vary based on your final loan amount and finance charges. Additional Information about our Adjustable Rate Mortgage (ARM) - The APR, interest rate and principal and interest payment are subject to increase and will change after the loan is closed due to market-driven changes to the index. Above quoted rates are subject to additional rate or point add-ons according to member's loan request, FICO score, cash out, and loan to value. Rates subject to change without notice.

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.