Other advantages include:

• No closing costs on applicable loans
• High credit-limit potential
• Up to 80% loan-to-value (LTV)
• Available on primary & secondary residences
• Low variable rates
• Low monthly payments: $50 or 1.25% of the outstanding balance, whichever is greater

Applicable terms and conditions

• Minimum $5,000 loan amounts.
• Variable rates may not exceed the maximum 18% Annual Percentage Rate (APR).
• Reimbursement fee of up to $250 if loan is reconveyed within 24 months. 
• Homes must be located in Utah, Idaho, Arizona, Nevada, New Mexico, or San Bernardino County, California.
• Homeowner must provide evidence of adequate insurance before disbursal.
• Federal law requires a three-business-day rescission period. Upon its expiration, funds will be disbursed unless America First Federal Credit Union receives written notice that the right to rescind has been exercised by any party with that right.

• No closing costs
• High credit-limit potential
• Interest paid may be tax-deductible*
• Low monthly payment: $50 or 1.25% of the outstanding balance, whichever is greater
• Free financial calculators

Applicable terms and conditions

• Minimum $10,000 loan amount
• Variable-rate loans may not exceed maximum APR of 18%
• Reimbursement fee of up to $250 if loan is reconveyed within 24 months.  
• Home must be located in the state of Utah, Idaho, Arizona or Nevada
• Homeowner must provide evidence of adequate insurance before disbursal of funds
• Federal law requires a three-business-day rescission period. Upon expiration of said rescission period, funds will be disbursed unless America First Federal Credit Union receives written notice that the right to rescind has been exercised by any party with that right.

Documents that will help expedite the review process:

• Income verification
• Two years of tax returns (if self-employed)
• A current statement showing the balance of your first mortgage
• This year's property tax notice or current appraisal
• Homeowner's insurance statement

• No closing costs
• High credit-limit potential
• Low variable interest rates
• Interest paid may be tax-deductible*
• Low monthly payment: $50 or 1.25% of the outstanding balance, whichever is greater
• Free financial calculators

Applicable terms and conditions

• Minimum $5,000 loan amount.
• Variable-rate loans may not exceed maximum APR of 18%.
• Reimbursement fee of up to $250 if loan is reconveyed within 24 months.  
• Home must be located in the state of Utah, Idaho, Arizona, or Nevada.
• Homeowner must provide evidence of adequate insurance before disbursal of funds.
• Federal law requires a three-business-day rescission period. Upon expiration of said rescission period, funds will be disbursed unless America First Federal Credit Union receives written notice that the right to rescind has been exercised by any party with that right.
• America First will pay all appraisal costs, except on 100% loans and non-owner-occupied loans (investment properties).
• If America First is willing to grant a loan without an appraisal, but a member requests a new appraisal, the member is responsible for those costs.
• If the property tax notice value is equal to or greater than 80% loan-to-value on a mortgage, but a member orders an appraisal in seeking a 50% loan-to-value mortgage, the member will pay all appraisal costs.

Documents that will help expedite the review process

• Income verification
• Two years of tax returns (if self-employed)
• A current statement showing the balance of your first mortgage
• This year's property tax notice or current appraisal
• Homeowner's insurance statement

• Access to all your hard-earned equity
• Low variable interest rates
• Interest paid may be tax-deductible*
• Low monthly payment: $50 or 1.25% of the outstanding balance, whichever is greater
• Free financial calculators

Applicable terms and conditions

• Minimum $5,000 loan amount.
• Variable-rate loans may not exceed maximum APR of 18%.
• Reimbursement fee of up to $250 if loan is reconveyed within 24 months.  
• Home must be located in the state of Utah, Idaho, Arizona, or Nevada.
• Homeowner must provide evidence of adequate insurance before disbursal of funds.
• Federal law requires a three-business-day rescission period. Upon expiration of said rescission period, funds will be disbursed unless America First Federal Credit Union receives written notice that the right to rescind has been exercised by any party with that right.

Documents that will help expedite the review process

• Income verification
• Two years of tax returns (if self-employed)
• A current statement showing the balance of your first mortgage
• This year's property tax notice or current appraisal
• Homeowner's insurance statement